Debt Payoff Calculator
Calculate how long it will take to pay off debt with fixed monthly payments.
Updated April 2026 · CalcFlow Editorial
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Enter values above and click Calculate to see your results.
How to Use
- Enter your current debt balance.
- Enter the APR interest rate.
- Enter your planned monthly payment.
- Click Calculate.
Formula
Months = -log(1 - (r x Balance / Payment)) / log(1 + r)