About DebtClear

DebtClear is a free tool that helps everyday people figure out the fastest, cheapest way to get out of debt. We built it because most "free" debt calculators are buried in sign-up walls, cluttered with confusing options, or quietly send your financial details off to a server. Ours does none of that.

What makes this calculator different

• It's genuinely free — no account, no email, no paywall.
• It's private — every calculation runs in your browser. Your balances never leave your device.
• It compares both strategies side by side — see the real dollar difference between the debt snowball and debt avalanche methods for your situation, not a generic example.
• It shows the full picture — your debt-free date, total interest, interest saved, and a month-by-month payoff schedule.

Who we are

DebtClear is an independent project built by a small team that cares about clear, honest personal-finance tools. We are not a lender, a bank, or a debt-relief company. We don't sell your information and we don't push you toward any product. The site is supported by unobtrusive advertising so we can keep the calculator free for everyone.

A note on accuracy

Our calculator uses standard monthly-compounding math — the same way most credit cards and loans actually charge interest. Results assume the figures you enter stay constant (fixed rates and consistent payments). Real life varies, so treat the output as a well-grounded estimate, not a guarantee. Nothing on this site is personalized financial advice; for that, talk to a qualified professional.