Free debt calculators

Enter a balance, a rate and what you pay each month. See the exact month you clear it, and how much sooner an extra €50 gets you there.

Two ways to order your debts. One is cheaper, the other feels faster. Compare both against your actual numbers instead of the usual advice.

Model a student loan on its own terms: long horizons, low rates, and whether overpaying is worth it at all.

Pay down the debt or invest the money? Type in one figure and compare clearing that interest against an expected market return.