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This Free Debt Calculator Might Be the Wake-Up Call Your Budget Needs

Written by:

AmONE

Edited by:

Kristin Marino

Updated on September 16, 2025

One of the most popular questions we get asked is, “If I pay $___ every month, how long will it take to pay off my debts?” and although we’re happy to take your calls and offer free guidance, there are times when you want a quick answer or you want to run a few different numbers as you’re figuring out your budget. For those times, we offer a simple get-out-of-debt consolidation calculator for you right here on our website.

Plug in your total debt, the interest rate (you can either total all your debt and get the average of all your interest rates or run each debt separately), the monthly payment you’re comfortable making and finally click on the Calculate button to get your Months It Will Take To Be Debt Free, Years It Will Take To Be Debt Free, Total Amount Payed To Lender and Total Interest Paid To Lender.

Try the Free Debt Calculator

Again, this is another free tool AmONE so feel free to share it with others. We’ve made it easy to share our credit debt calculator via Facebook and Twitter, +1 (like) us on Google and email the debt calculator with the buttons below and if you like the tool, let us know by commenting below!

Total Credit Card Debt:
Interest Rate (Annual Percentage):
Current Monthly Payment:

Months It Will Take To Be Debt Free:
Years It Will Take To Be Debt Free:
Total Amount Paid To Lender:
Total Interest Paid To Lender:

Ad Disclosure

Advertiser Disclosure*. The financial products and services on this site are from advertisers from which AmONE receives compensation. Compensation may be based upon whether you click on certain links on this site or buy products or services from those advertisers. We do not receive compensation from consumers. The placement of advertisements on this site are based in part upon the compensation AmONE has or expects to receive from those advertisers. Placement of advertisements does not reflect our recommendation of any advertisers' products or services. Please consult a financial services professional before making any financial decisions. Our advertisers do not include all the financial products and service providers available in the marketplace.

Loan availability, rates, APRs (Annual Percentage Rate), and other terms vary by advertiser and borrower attributes, including borrower location. Lenders have a range of available APRs; only borrowers with excellent credit will qualify for the lower rates. As of 01/11/2024, our advertisers were offering loans to some consumers for as little as a 6.40% APR on a three-year $100,000 loan.

We do not provide financial products or services. Rather, AmONE provides administrative and marketplace services by attempting to connect consumers with service providers offering products and services such as debt settlement and personal loans. We do not take applications or make credit decisions. We may not be able to match you with any of our advertisers. Credit and other decisions and terms are determined by our advertisers based upon the consumer's submission of an application to the advertiser, which may obtain other information about the consumer from third parties. Approval for financial products and services by an advertiser is not guaranteed.

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Why AmONE is Trusted By Millions for Their Loan Needs

Anyone can put together a group of lenders in a marketplace to offer people loans. We go beyond that. We not only partner with some of the best lenders around (like Citi, Rocket Loans, SoFi and so many more), we also work with partners who can help people like you go beyond a one-time loan. We connect you with the money programs you need to help you get real financial solutions in place that allow you to tackle your debt and money problems so you can move forward. Getting out from under debt to financial freedom is daunting and we're ready to help you every step of the way.

AI is the hottest thing around right now, but we know from our decades of experience in the personal finance space that the last thing someone wants to do is talk to a robot when they need real answers. Solving money problems can be stressful and daunting, so don't settle for generic responses and information that offers little real financial insights. Speak to one of our many support specialists who all work from an AmONE office right here in the U.S. and get the answers you really need to make better financial decisions.

We work hard to find loan offers for even the most challenging financial situations. With our large lender marketplace, we know we give everyone the best shot at getting the loan, debt and credit help they're hoping to find. Even when someone's credit is clearly poor or they hold a large amount of debt, we still get our customers in front of lenders to give them the best shot at securing the funds they need. When the unexpected happens and customers are rejected for loans, we still work with them to find other financial solutions that put them on the path to financial recovery so they can keep moving forward toward their money goals.