Step 1 · Your debts

What do you owe?

Add each debt from its latest statement. You can add up to 10. Not sure of a number? Your free credit report at annualcreditreport.com lists every account.

Add a debt

Debt type

Creditor name

Current balance ($)

The payoff amount on your latest statement.

Interest rate — APR (%)

Listed in your statement's “Interest charge” section.

Minimum payment ($/mo)

What you actually pay ($/mo, optional)

Promo rate or variable rate?

0% / promo rate ends

APR after the promo (%)

This rate is variable (we'll assume it holds and note that)

DebtFree provides educational planning estimates only — not financial, legal, or credit-repair advice. Simulations assume interest rates remain constant unless a promotional rate is entered, and actual payoff results depend on your lender's terms. Consider talking to a qualified financial professional about your situation.

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