Payoff Target Solver

Pick a finish date. We'll tell you the extra monthly payment that hits it.

  • Methods explained
  • Saved debt portfolio
  • Compare strategies
Payoff Target Solver is now part of the Debt Planner

Use the planner to combine this with strategy comparison, lump sums, variable income, and the action timeline — all on one portfolio.

Open Planner

No debts yet.

Add one below or import a JSON / CSV file.

CSV columns: name,balance,rate,minimumPayment

Target

36 months

Your saved debts and minimums are used as the baseline. We search for the smallest extra monthly payment that retires every debt within the target window.

Required Plan

Add at least one debt to see a target plan.

How it works›

Model and assumptions. Simulates monthly debt balances, interest and payments from the saved portfolio under the chosen strategy, extra-payment budget and dated lump sums. Freed payments follow the strategy’s allocation rules. Results include explicit incomplete-payoff status; future rate changes and new borrowing occur only if entered.CFPB: money and debt worksheetsOpenStax: annuity formulas