Borrow smarter.
Get debt-free faster.
Free calculators that show you the real cost of borrowing and the fastest way out of debt — total interest included, nothing hidden.
Home Equity Loan Calculator
See how much you can borrow against your home and what the monthly payment would be, with a full amortization schedule.
Try it →Credit Card Payoff Calculator
Compare the snowball and avalanche strategies across all your cards and see how much interest each plan saves.
Try it →HELOC Payment Calculator
Estimate your HELOC payments during the interest-only draw period and the repayment period that follows.
Try it →Debt Consolidation Calculator
Roll multiple debts into one loan and see whether it actually saves money — monthly payment, total interest, and fees compared side by side.
Try it →Loan Payoff Calculator
See how much sooner you’ll be debt-free and how much interest you save by adding extra monthly or one-time payments to any loan.
Try it →Debt-to-Income Ratio Calculator
Calculate your DTI the way lenders do, see which approval thresholds you clear, and what it takes to reach the next one.
Try it →Personal Loan Calculator
Monthly payment and true total cost of a personal loan, including the origination fee most calculators ignore.
Try it →Balance Transfer Calculator
Is a 0% balance transfer worth the fee? Compare keeping your card vs transferring, month by month.
Try it →Cash-Out Refinance vs Home Equity Loan Calculator
Need cash from your home? Compare replacing your whole mortgage against adding a home equity loan — total interest for each path.
Try it →Mortgage Payoff Calculator
See how extra monthly or annual payments shorten your mortgage and how many thousands in interest they save.
Try it →Total cost, not teaser payments
Every tool shows lifetime interest and total repayment — the numbers lenders don't lead with.
Private by design
Calculations run entirely on your device. Balances and rates you enter are never stored or sent anywhere.
The math, explained
Each calculator comes with a plain-English guide to how the numbers work, so you can verify everything.
Why these calculators exist
Borrowing decisions are where small differences cost real money. Half a percent on a home equity loan, the order you pay off your credit cards, the payment jump hiding at the end of a HELOC draw period — each one can mean thousands of dollars, and none of them are obvious from a lender's brochure.
Every tool on PayoffRoute follows the same rules: it shows the total cost, not just the monthly payment; it explains the math so you can sanity-check it; and it runs entirely in your browser, so your financial details never leave your device.