Find your zero date
Answer a few questions and see when you'll be debt-free. Nothing is saved — all calculations happen in your browser.
Add your debts
Enter each debt you want to pay off. Include mortgages, credit cards, loans — anything you owe.
What is a zero date?
Your zero date is the specific month and year when you will have paid off all your debts — the moment you owe nothing. Whether you're paying off a mortgage, credit cards, or loans, knowing your zero date gives you a clear target to work toward and lets you plan your financial future with confidence.
How this calculator works
- Enter your debts — Add each debt with its current balance, interest rate (APR), and minimum monthly payment.
- Add extra payments — Enter any additional amount you can put toward debt each month.
- See your zero date — The calculator shows when you'll be debt-free and compares payment strategies.
Questions
What is the avalanche method?
The avalanche method pays off debts in order of highest interest rate first. You make minimum payments on all debts, then put extra money toward the highest-rate debt. This approach minimizes total interest paid over time.
What is the snowball method?
The snowball method pays off debts in order of smallest balance first. You make minimum payments on all debts, then put extra money toward the smallest debt. This approach gives you quick wins that build momentum.
Which method is better?
Avalanche saves more money by minimizing interest paid. Snowball provides psychological wins by eliminating debts faster. The best method is the one you'll stick with. This calculator shows both so you can compare.
Is my data saved or shared?
No. All calculations happen in your browser. Your debt information is never sent to a server, stored in a database, or shared with anyone. Close the page and the data is gone.
How accurate is this calculator?
This calculator provides estimates based on the information you enter. Actual payoff dates may vary based on interest rate changes, fees, and payment timing. Your lender's statement is always the official record.
Can I save my plan?
Yes! Create a free Go to Zero account to save your plan, track payments as you make them, and work toward your zero date together as a couple.