CALCULATOR
Debt Payoff Calculator
See when you will be debt free and how extra payments accelerate your timeline.
Your Debts
Enter up to 4 debts
Amount above all minimums
Enter your details and click Calculate
DEBT MANAGEMENT
Debt Payoff Strategies
There are two main ways to tackle debt effectively. The Avalanche method targets the highest interest rate first to save the most money. The Snowball method focuses on clearing smallest balances first for quick wins.
Debt Payoff Calculator FAQ
Should I use avalanche or snowball?
Avalanche saves more money. Snowball provides quicker psychological wins. Both work.
How much extra should I pay each month?
As much as you can. Even R500 extra accelerates debt freedom significantly.
When should I consider debt counselling?
If total debt repayments exceed 40% of your net income.
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