Debt-free date calculator
When will you be debt-free?
Your debt-free date depends on balances, APRs, minimum payments, and how much you can put toward debt each month. Use this goal-focused calculator to estimate the finish line and the payment needed to hit a target month.
Goal solver
Model your target payoff month
Projected result
See the date and required payment
Payment needed to hit your target
Need strategy comparison and monthly what-if modeling too?
Open the full calculatorWhat changes the finish line most
| Factor | Effect on payoff date |
|---|---|
| Higher monthly debt budget | Usually shortens the payoff plan the most. |
| Extra one-time payment | Can meaningfully shorten the plan if directed at a live target debt. |
| Promo APR expiration | Can move the finish line later if ignored. |
| Payment timing | Can change interest outcomes even when the monthly amount stays the same. |
How to interpret your debt-free date
A projected date is only as good as the assumptions behind it. Runway's planner uses the balances, APRs, and minimums you enter, then applies your selected debt budget month by month. If a payment changes or a debt is paid faster than expected, the date moves with it.