Debt Payoff Planner

📉 Debt Payoff Planner

Enter up to three debts and any extra you can pay each month. This uses the avalanche method (clears the highest interest rate debt first) to estimate how long until you are debt free and how much interest you will pay.

Extra monthly payment (on top of all minimums, optional)

Debt 1 (for example, credit card)

Balance owed (SGD)

Interest rate (% per year)

Minimum monthly payment (SGD)

Debt 2 (optional)

Balance owed (SGD)

Interest rate (% per year)

Minimum monthly payment (SGD)

Debt 3 (optional)

Balance owed (SGD)

Interest rate (% per year)

Minimum monthly payment (SGD)

Time to clear all debts

0 months

Enter your debts above to see your plan.

This is a pure math estimate of the avalanche payoff strategy and does not include late fees, annual fees, promotional rates or changes to your minimum payment. Interest is compounded monthly. If a debt's minimum payment does not cover its monthly interest, the balance can never fall and the plan will not complete. For licensed help with problem debt in Singapore, see Credit Counselling Singapore via the Ministry of Law (mlaw.gov.sg).

General information only, not financial advice. Figures are estimates that depend on the rates and payments you enter. Verify the actual terms with your lender or the official source before making decisions.