Free tool

Debt Roll-Up Calculator

List your debts and choose an extra monthly amount. When one debt is paid off, its whole payment rolls into the next, so the same monthly total clears each balance faster than the last.

  • No sign-up
  • No cost
  • Nothing saved or sent

Your debts

Enter each debt's balance, yearly interest rate and monthly payment. Rows left blank are ignored. The shaded columns show what that one debt would cost on its own if you kept paying that payment and nothing more.

#CreditorBalance ($)Rate (%)Payment ($)Interest CostPayments Left
Debt 1
Debt 2
Debt 3
Debt 4
Debt 5
Debt 6
Debt 7
Debt 8
Debt 9
Debt 10
Payoff order

Your roll-up plan

Your plan will appear here.

List your debts, choose an extra amount and a payoff order, and press Calculate Results. Nothing you enter leaves this page.

This is an educational illustration only. It assumes your interest rates and payments stay the same and that you make every payment on time. It does not account for fees, late charges, or changes to your accounts. It is not a recommendation to take any specific action.

Want help building a plan around this? The first conversation is free.

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Resources & tools

Free tools to see your numbers clearly

No sign-up, no cost. Enter a few numbers, answer a few questions, and get a clearer picture before you ever sit down with Karen.

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