Debt Manager

Track loans and credit card balances, see amortization schedules, and plan your payoff strategy. All data stays in your browser — nothing is sent anywhere.

Amortization · Interest Breakdown · Payoff Timeline

Add a New Debt

Company / Name

Type

Payment Frequency

Next Payment Due

Total Balance Owed

Interest Rate (APR)

Annual Fee

Minimum Payment

Payment Amount

Loan Term (optional)

Number of payments. Leave blank for credit cards.

Select a debt from the sidebar to view its payoff schedule.

Remaining Balance

Interest Rate

Monthly Payment

Payoff Date

Total Interest Paid

Over the life of the debt

Total Amount Paid

Principal + interest + fees

Balance Over Time

Principal vs Interest

What-If Calculator

If I paid an extra

Current Plan

Payoff--

Total Interest--

Total Paid--

→

With Extra Payment

Payoff--

Total Interest--

Total Paid--

Amortization Schedule

#	Payment	Principal	Interest	Fees	Balance
Select a debt to see the schedule.

Total Balance

Total Payments

Total Interest

Across all debts

Total Amount Paid

Principal + interest + fees

Last Payoff Date

When all debts are cleared

Payoff Optimizer

Balance Over Time (All Debts)

Payment Breakdown (All Debts)

Combined Payment Schedule

Date	Debt	Payment	Principal	Interest	Balance
Click "All Debts Overview" to see the combined schedule.