See the day your debt is gone.
Most of us know what we owe. Fewer of us know the date it ends. Put your numbers in, and the calculator gives you a debt freedom date, the interest you will pay along the way, and how much sooner the date moves when you add to the payment.
"The plans of the diligent tend only to plenteousness; but of every one that is hasty only to want."
Proverbs 21:5, KJV
Debt Freedom Calculator
Four numbers. One date. Start with your best estimate; you can come back and refine it once you have gathered every statement.
Face the numbers
Enter what you owe today. The calculator shows when you will be debt free on your current plan, and what changes when you add a set amount each month.
Your plan starts with a date.Fill in the four numbers and the results appear here.
Current plan
With extra each month
Estimates only. Assumes a fixed rate and steady payments. Your real timeline depends on your specific accounts.
A date changes how you steward.
It turns worry into a plan
Anxiety lives in the unknown. Once the payoff has a month and a year attached, every payment has a destination and every decision has a measuring stick.
It shows what the extra is worth
Fifty dollars feels small until you see the months it removes. The comparison makes intentional income and trimmed spending concrete instead of vague.
It puts the ninety percent to work
Stewardship covers everything that stays in your hands after the tithe. The calculator is the first step in managing it on purpose.
22
months
We ran these numbers on $224,000.
My husband and I loved God, worked hard, gave faithfully, and carried $224,000 in debt. When we finally faced the numbers and built a plan around the parable of the talents, the debt was gone in twenty-two months. The date on this page is the same kind of date we set for ourselves.
You have a date. Now keep it.
Five short emails over ten days take the date you just saw and turn it into a plan: the real numbers, the ninety percent, our own story, and where the plan gets worked. The first one lands in your inbox today.
Keep the date
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