Find your debt-free date.
Type three numbers. See your date, the interest and what an extra payment changes.
Try it with your own numbers
One debt, fixed payment, no new spending. An estimate, not advice.
What sounds like you?
Tap the sentence closest to your situation.
Why the payment matters more than the rate
Same US card: $5,000 at 20% APR. The interest is about $83 a month, so a payment close to that barely touches the balance. Worked out month by month in the US post on how long it takes to pay off debt.
just above the monthly interest
nearly twice the monthly interest
about three and a half times the monthly interest
Read the numbers behind the tools
Every guide shows its sources and its workings. UK and US guides are labelled.
Start with your situation
Pick the problem you are dealing with. Each list is the most-read guides on that topic, UK or US marked.
Pay Off Debt Faster
- USHow Long Will It Take to Pay Off My Debt Successfully?
- USHow to Use AI to Pay Off Debt Faster
- UKHow to Pay Off Debt as a Single Mum in the UK: Priorities, Support and a Plan
- USHow to Pay Off Debt on a Low Income
- USHow to Pay Off $20,000 of Debt Fast
Credit Score & Credit Reports
- USWhat is a Good Credit Score in the US?
- USDoes Paying Off Debt Improve Your Credit Score?
- USWhat Is a Bad Credit Score and How to Fix It
- UKWhat Credit Score Do You Need for a Mortgage in the UK?
- UKHow to Improve Your Credit Score Fast in the UK
Bills, Benefits & Everyday Money
- UKDebt and Mental Health UK: Your Rights
- UKAre PIP and Disability Benefits Safe From Debt Collectors?
- UKCan't Pay Your HMRC Tax Bill? Your Options (UK)
- UKPriority vs Non-Priority Debts UK: Which to Pay First
- USCan Unpaid Rent Stop Apartment Approval?
Buy Now Pay Later & Borrowing
- UKMissed a Klarna or Clearpay Payment? What Happens Next
- UKReturning a Klarna or Afterpay Purchase: What Happens
- UKAPR vs Interest Rate (UK): The Real Difference
- UKKlarna vs Clearpay vs PayPal Pay in 3: UK Late Fees
- UKOverdraft Debt UK: What Happens and How to Clear It
Debt Collectors & Your Rights
- UKDebt Sold to Lowell? What to Do in the UK
- UKLowell Settlement Offer: Can You Negotiate a Discount?
- UKCan Lowell Take You to Court? How to Stop a CCJ
- UKStatute Barred Debt UK: How the 6-Year Clock Works (and What Resets It)
- UKIs Lowell a Scam? How to Check a Letter or Text
Students & Young Adults
- UKCan Your Student Loan Be Included in a DRO or IVA?
- USStudent Loan Delinquency and Renting: What Landlords See
- UKGuarantor 6-Month Rule: Section 17 Notice Explained
- UKGuarantor Liability If the Tenant Dies
- UKIs Old Graduate Overdraft Debt Statute Barred? (UK)
Bankruptcy, DRO & Debt Relief
- UKIVA Pros and Cons UK: Is an Individual Voluntary Arrangement Right for You?
- UKHow to Write Off Debt in the UK
- USHow Long Does Debt Consolidation Take? Set-Up vs Payoff
- UKDRO Income Goes Up: Do You Lose Your Debt Relief Order?
- UKDebt Relief With a Long-Term Illness: UK Options
Wages, Bank Accounts & Court Action
- USDoes Changing Jobs Stop a Wage Garnishment?
- UKRent Arrears CCJ: Does It Show on Your Credit File?
- UKAttachment of Earnings Order UK: How to Stop It
- USIs Social Security Protected From Garnishment?
- USSheriff Sale for Debt: What Can Be Seized and Sold
Free, independent debt help
DebtShift is an education site, not an advice service. If you are struggling right now, these organisations are free and can act for you.
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Who is behind this
Hamid Ali, MSc Accounting & Finance, founded DebtShift. About the author · How we check our work
- Payoff figures are calculated in code, month by month, not estimated by hand.
- Rates, laws and statistics are linked to their source in each guide.
- We tell you when a number is an example, and when it is an estimate.
Questions
Are the DebtShift tools free?
Yes. You can use every tool without paying, and you do not need a login to get your results.
How does the calculator above work?
It uses your balance, interest rate and monthly payment. Each month it adds interest (rate divided by 12), subtracts your payment, and repeats until the balance is zero. It assumes a fixed payment and no new spending, so your real statement may differ by a few pounds or dollars.
Which tool should I start with?
If you have two or more debts, use the Debt Payoff Planner. If you only have one card, try the Minimum Payment Trap Calculator. If someone is chasing you, start with Know Your Rights.
Do the tools work in the UK and the US?
15 of the 17 tools work for both, and you can switch currency where it matters. The Statute Barred Checker and the Bankruptcy and DRO Checker are UK only because they cover UK law.
Is this financial advice?
No. DebtShift is an educational platform, and the tools give estimates from the numbers you enter. For free advice from a person, contact StepChange in the UK on 0800 138 1111 or the NFCC in the US on 877-360-6322.
Do you keep my data?
The numbers you type into the calculator are not stored. If you enter your email in one of our tools, we send your results to it and keep the address on file. See our privacy policy to ask for it to be deleted.
Who runs DebtShift?
Hamid Ali, who holds an MSc in Accounting and Finance, founded and runs DebtShift through H Ali Logistics Ltd. Our guides show their sources and workings, and our editorial policy explains how we check them.
Start with your debt-free date.
Add all your debts to the planner and compare Avalanche, Snowball and Highest Cost First.
Get my debt-free dateDisclaimer: DebtShift is an educational platform operated by H Ali Logistics Ltd. The tools and guides give estimates and general education, not financial or legal advice. DebtShift is not authorised or regulated by the FCA. For free debt help, contact StepChange (UK) on 0800 138 1111 or the NFCC (US) on 877-360-6322.