Interest Calculator 2026 | Best Debt Payoff & APR Estimator

Interest Calculator 2026: The Brutally Honest Debt Tool

Calculate Total Interest Costs & Escape the Minimum Payment Trap

Interest Calculator 2026

The professional APR & Debt Payoff tool for USA credit cards and personal loans.

Debt Balance ($)

Annual APR (%)

Monthly Payment ($)

Total Interest Cost

0 Months to Freedom

● Principal● Interest Waste

🚀 Accelerator: Add $50/mo to save $0 in interest.

Understanding Your Interest

APR Impact: Your Annual Percentage Rate determines how fast interest compounds. Small changes in APR can mean thousands in savings over time.

Principal vs Interest: Every dollar paid above the interest goes directly to the principal, accelerating your payoff date significantly.

Financial Ecosystem↓

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Legal Notice

ESTIMATES ARE FOR INFORMATIONAL PURPOSES. CALCULATIONS ASSUME CONSTANT RATES. ACTUAL RESULTS VARY BY LENDER. CONSULT WITH A FINANCIAL PROFESSIONAL FOR MAJOR DEBT DECISIONS.