About Debt Clarity Tools

Debt Clarity Tools is a simple, U.S.-focused set of calculators that helps you estimate payoff timelines, total interest, and how payment changes affect your finish date.

This site is educational. The goal is clarity and planning—so you can make calm, informed decisions and understand tradeoffs before you act.

What You Can Do Here

• Estimate a credit card payoff date and total interest
• Compare Snowball vs Avalanche strategies
• See how extra payments change your loan payoff date
• Estimate consolidation loan tradeoffs
• Plan a student loan payoff timeline

How Estimates Work

Estimates depend on what you enter and assumptions about interest and payment timing. Real outcomes can differ due to fees, rate changes, compounding method, and lender rules.

Who This Site Is For

Debt Clarity Tools is designed for people who want a clear, numbers-based way to understand debt payoff options before making decisions. It’s especially useful for comparing scenarios, exploring tradeoffs, and planning next steps without pressure or sales tactics.