When will you be debt-free?
Add your debts and what you can put toward them each month. See the exact month you'll be free — and how much interest you'll pay — with the avalanche or snowball method. Nothing is saved.
Your debts
Balance, interest rate (APR), and the minimum payment for each.
That's the math. FortuniFi gives you the plan. What to pay first, how much, and when — and it reaches out on payday with the one move that matters. Free the whole time you're in debt.
Start your plan free →How this works
How is my debt-free date calculated?
Each month we add interest to every balance, pay the minimum on each debt, then put everything left over — the extra you enter, plus the minimums that free up as debts clear — onto one focus debt until it's gone, then the next. That snowball keeps rolling until every balance hits zero. That month is your debt-free date.
Avalanche vs. snowball — which should I pick?
Avalanche attacks the highest interest rate first, so it saves the most money. Snowball attacks the smallest balance first, so you clear a whole debt sooner and feel the win. Try both above and compare the date and the interest — often they're close, so pick the one that keeps you going.
Why does my date barely move on one debt?
If a debt's minimum barely covers its interest, almost nothing goes to the balance — that's the debt trap. Adding even a little extra, or attacking that debt first, changes the math dramatically. That's exactly the kind of move FortuniFi surfaces for you.
Is it really free?
Yes — this calculator is free and needs no sign-up. And FortuniFi itself is free the whole time you're in debt; automatic bank sync is the one paid add-on.
Get the plan behind the date
A calculator tells you when. FortuniFi tells you what to do — this month, in order, in plain language — and stays with you the whole way from debt to wealth.
Start free — no cardEstimates only, for planning. Real interest depends on your lender's exact APR, compounding, fees, and payment timing; promotional or deferred-interest balances behave differently. This is education, not financial advice. For overwhelming debt, the NFCC (nfcc.org) offers free or low-cost help.