Credit Cards & Debt

How much do you owe calculator

Add up every debt in one place — the essential first step to a payoff plan. See your total balance and total monthly payments.

Inputs

Credit card debt

Auto loans

Student loans

Personal & other loans

Mortgage

Total monthly debt payments

Average APR on consumer debt

Monthly payment toward consumer debt

Estimates only. Change any value to recalculate instantly.

Total debt you owe $275,000 $55,000 excluding the mortgage

Consumer debt $55,000

Mortgage $220,000

Total owed $275,000

Monthly payments $2,400.00

Your debt by type

Credit cards $8.0k
Auto $18k
Student $24k
Personal $5.0k
Mortgage $220k

You owe $275,000 in total, or $55,000 excluding your mortgage. At $900.00/mo your consumer debt clears in about 8 years. Knowing the full picture — and which balances carry the highest rates — is the starting point for any payoff strategy.

Consumer-debt payoff at $900.00/mo (12.00%)View table

Year	Paid	Principal	Interest	Balance
1	$10,800	$4,439	$6,361	$50,561
2	$10,800	$5,002	$5,798	$45,559
3	$10,800	$5,636	$5,164	$39,923
4	$10,800	$6,351	$4,449	$33,572
5	$10,800	$7,156	$3,644	$26,416
6	$10,800	$8,064	$2,736	$18,352
7	$10,800	$9,087	$1,713	$9,265
8	$9,826	$9,265	$561	$0

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.