Free debt calculators

Know your number. Then kill your debt.

Five simple tools that show exactly when you'll be debt-free — and how to get there sooner.

New · PayMend Premium

Meet Atlas — your AI financial advisor.

Atlas looks at your real debts, rates and budget, then builds a personalized payoff plan and answers your money questions 24/7. Like a debt coach in your pocket.

Try Atlas free →See Premium plans

Atlas · AI advisor

I get paid Friday. Should I put my $500 bonus on the car or the credit card?

Credit card — its 24% rate costs you about $10/month more than the car's 7%. I'll update your plan and move your payoff date up 6 weeks. 🎉

Example conversation · educational guidance, not financial advice

Mortgage Payoff

See how extra payments shave years off your home loan.

Snowball vs Avalanche

Compare the two most popular debt payoff strategies.

Auto Loan

Find your real monthly car payment, taxes included.

Student Loan Refinance

Calculate what refinancing could save you.

Credit Card Payoff

Learn how long until that card hits zero.

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PayMend Premium

A personal AI debt advisor, ad-free. Weekly, monthly or yearly — from $29.99/year.

How people use PayMend

Example payoff stories

Ryan

Credit card payoff

$8,200 cleared in 19 months

Two maxed cards. Switching to avalanche and adding $250/month cut his payoff time in half.

Arjun

Student loan refinance

$11,400 in interest saved

Refinanced from 7.8% to 4.9% after the calculator showed the real lifetime difference.

Sofia

Snowball vs avalanche

4 debts down to 0

Chose snowball for quick wins. Paying off the smallest card first kept her motivated.

Marcus

Mortgage payoff

6 years shaved off

One extra $200 payment each month took his 30-year mortgage down to about 24 years.

Illustrative example scenarios, not real customers.