About
Debt is math. We show the math.
DebtLab makes free tools that turn a pile of balances into a clear plan with a date on it.
What we do
Most people in debt are not short on motivation; they are short on a clear picture. How long will this take? What is it costing me? Does an extra $100 a month matter? Our calculators answer those questions in seconds, using the same monthly interest math lenders use.
How we work
- Private by design. Calculators run in your browser. We never see your numbers.
- Real numbers. Every figure in our articles and videos comes from an actual calculation, not a guess.
- No hype. We avoid promises and guarantees. Your results depend on your situation.
- Free. The site is supported by ads and clearly labeled affiliate links.
Where to find us
We post short debt-math videos on YouTube. New guides appear on the blog every week.
Contact
Reach us through our YouTube channel's About page.
DebtLab provides educational information only and is not a financial advisor.
Our calculators
Debt Snowball CalculatorPay the smallest balance first and see your debt-free date.Open calculator Debt Avalanche CalculatorPay the highest APR first and compare the interest you save.Open calculator Credit Card Payoff CalculatorOne card, one payment: how long it takes and what it costs.Open calculator Credit Score SimulatorAnswer 5 questions for an educational score estimate.Open calculator