Free Debt Payoff Calculator

Stop Guessing When You'll Be Debt-Free

Senaro calculates the fastest path to paying off your credit cards—so you can see exactly when you'll be free.
Join the fight against the $1.23 Trillion credit card debt crisis.

Add Your Cards Try Calculator

Private & Secure. Calculations run 100% on your device.

Example Scenario
Rate Drop Simulation
29.99% → 10.00%

$2,450

Avg. Interest Saved

14 Mo.

Time Saved

How It Works

Three simple steps to debt freedom

1
Add Your Cards

Enter your credit cards with Purchase APR and Cash Advance APR separately.

Start Here
2
Choose Strategy

Avalanche (highest APR first) or Snowball (lowest balance first).

3
See Results

Instantly see your debt-free date and how much interest you'll save.

Calculator
10%
Rate Cap Simulator

Toggle the 2026 Rate Cap to see potential savings (excludes Cash Advances!).

Key Features

10% Rate Cap Simulator

Toggle the "What-If" scenario to see how a proposed 10% APR cap could impact your payoff timeline. Compare with current rates instantly.

Cash Advance Traps

Visualizes how hidden fees and higher APRs on cash advances (ATM, Venmo, Crypto) destroy your payoff timeline.

100% Client-Side

No database. No API calls. Your financial data never leaves your browser. It's the safest way to plan.