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Debt Payoff Calculator

If you are feeling overwhelmed and buried in debt payments, it may be difficult to figure out how to fix it. To get a handle on the situation, you need to know how to calculate debt in relation to total amounts, minimum payments and interest rates. A debt payoff calculator can help simplify these steps so you can easily compare your debt relief options.

How To Use

To use our debt calculator, slide the first blue button to the number that represents the total amount that you owe. Move the second button to the average interest rate you pay on your debt. Scroll down to see an estimate of how much you would pay each month, the total you need to pay it off, and how long it will take. To explore how a longer payoff period or a different interest rate might affect your monthly payment, change the interest rate and term on the debt consolidation calculator.

To learn more about your debt relief options, contact us today.

How much debt do you owe?

$25,000

What is your average interest rate?

22%

Debt Settlement with
Optimal Debt Solutions

Months to Pay Off 36
Interest Rate 0%
Total Interest Paid $0
Monthly Payment $465
Total Cost $16,750
Total Savings $8,250

Debt Consolidation or
Credit Counseling

Months to Pay Off
Interest Rate
Total Interest Paid $2,405
Monthly Payment $625
Total Cost $27,405
Total Paying $2,405

Do Nothing

(Make minimum Payments Only)

Months to Pay Off 154
Interest Rate 22%
Total Interest Paid $15,101
Monthly Payment $1,208
Total Cost $40,101
Total Paying $15,101

Need Help navigating the the various debt relief options?

Speak with a Certified Debt Analyst for a free consultation.

Call Today: (877) 336-7008
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* We do not discriminate on the basis of race, race, color, religion, sex, marital status, national origin or ancestry. Our clients who make all their monthly program payments pay approximately 70% of their enrolled debts over 24 to 48 months. Not all of our clients are able to complete their program for various reasons, including their ability to set aside sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest.