Feeling stuck with debt?

With each month, balances can grow, interest can increase, and payments can feel never-ending.

It’s hard to see where the journey ends, and that uncertainty can be overwhelming.

Having a clear view of your repayment path and timeline can make the process more organized and easier to follow.

Debt Payoff & AI Planner is more than just a calculator, it gives you a clear view of your debt timeline, projected interest, and different payoff options based on your input. See your repayment path in detail and explore ways to optimize it.

Discover How This App Helps You Manage Debt More Effectively

✅ Generate a Complete Debt Payoff Plan in Seconds.

Enter your debts, interest rates, and monthly budget to see a full payoff schedule with projected debt-clear dates.

✅ AI Planner Analysis.

Understand how much interest you may pay over time and compare different approaches, such as Snowball or Avalanche, to find the one that fits your needs. (For educational purposes only.)

✅ Simulate Real-World “What If” Scenarios.

Adjust your payments, add extra contributions, or shift start dates to explore different repayment timelines without changing your actual plan.

✅ Motivating Progress Dashboard.

Stay motivated with milestones, charts, and progress bars showing how far you’ve come and what’s left to go.

✅ Make Manual Adjustments Anytime.

Job changes, emergencies, or unexpected expenses can derail you. Instantly adjust balances or add extra payments so your plan stays realistic and under control.

✅ Export Professional Reports to PDF or CSV.

Generate clean, organized reports to keep for your records or share with advisors if needed.

✅ 100% Private. Offline. No Ads.

All calculations stay on your device. No sync, no data collection, no account required to use the core calculator. (Login is only used to access saved preferences or unlock advanced features like simulation or analysis.)

📌 Bonus Features:
- Multi-currency support: USD, GBP, EUR, CAD, AUD, NZD, CHF, SEK, NOK, DKK.
- Modern, intuitive interface with Dark Mode.
- Fast performance for quick calculations.

Important Note:
This debt payoff calculator app does not offer, promote, or facilitate real loans or financial services. It is intended for educational use only.


Download Debt Payoff & AI Planner today and view your projected debt-clear date.