Loan Navigator
Stop guessing when you’ll be debt-free.
Loan Navigator shows your real payoff date — and how small extra payments change everything.
Try it yourself
Your numbers stay in your browser — nothing is sent anywhere.
Free preview — full plan available with Your Money Pro
Debt-free in 2 y 10 moby
- Total interest paid
- $1,750
- Interest saved with the extra payment
- $1,048
- Debt-free sooner by
- 1 y 6 mo
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This calculator provides estimates for informational purposes only and does not constitute financial advice. Actual results depend on your lender’s terms.
How Loan Navigator works
- Add your balance and APR — Enter your credit card or loan details in seconds.
- See your real payoff timeline — Loan Navigator calculates exactly when you'll be debt-free at your current pace.
- Adjust and save — See how an extra $20, $50, or $100 a month changes your payoff date and total interest.
A real example
One Your Money user added just $200 extra to their monthly debt payment. Loan Navigator showed the result instantly:
$14,421 saved in interest, 3 years sooner debt-free.*
Based on an individual example; results vary depending on balance, APR, and payment amount. Individual results are not guaranteed.
Frequently asked questions
- How does a debt payoff calculator work?
- A debt payoff calculator uses your current balance, interest rate (APR), and monthly payment to project how long it will take to pay off your debt — and how much you’ll pay in interest along the way. Adding extra payments shows how much time and money you can save.
- Debt snowball vs. debt avalanche — which is faster?
- The debt avalanche method (paying off the highest-interest debt first) saves the most money over time. The debt snowball method (paying off the smallest balance first) can be more motivating since you clear individual debts faster. Loan Navigator works with either approach — the math depends on your specific balances and rates.
- Can I use this as a credit card payoff calculator?
- Yes — Loan Navigator works for both loans and credit cards. Just enter your balance, APR, and monthly payment the same way, and it calculates your real payoff date either way.
- Is Loan Navigator free?
- Loan Navigator is included with Your Money Pro. The monthly plan starts with a 7-day free trial, then $9.99/month. The yearly plan is $49.99/year, billed immediately with no trial.
See your own debt-free date
Your Money provides financial planning tools for informational purposes and does not constitute financial advice.