American Debt Association - In Partnership with the American Credit Association

Debt to income ratio Calculator

This calculator will determine your debt to income ratio. A debt ratio greater than or equal to 40% indicates you are not a good risk for lending money.

Debt Pay Off Calculator

This calculator will compute how much you will need to pay each month in order to pay off a given debt by a selected payoff goal date.

Enter the principal balance owed:
Enter the annual interest rate:
Select the pay off goal month and year:

Monthly payment required to achieve debt pay off goal:
Number of monthly payments before debt pay off:
Total interest cost between now and pay off:

Minimum Payment Interest Calculator
This is the interest you will be paying!

This calculator will estimate the amount of time it will take to pay off a given debt and the total interest that you will pay between now and when the debt is paid off. Calculator will assume Minimum Payments are $15 of balance, or 2.5%, whichever is greater.