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Total interest you've eliminated with this plan
Debt-Free Retirement Strategy

Debt Payoff Calculator

There are only two ways to maximize retirement: increase income or decrease expenses. Every debt you eliminate before — or in — retirement is a permanent expense reduction. See exactly when you become debt-free and what it frees up every month.

Avalanche & Snowball 0% Promo Loans Income Timeline COLA & Inflation TSP Withdrawal Cost Real-Time Interest Savings PDF Export
Your retirement profile
All payoff timelines calculated from this date
Used to flag which debts can realistically be eliminated before you retire
$
Amount above minimum payments you can put toward debt each month
Income Sources & Timeline
Economic Assumptions
2.4%
0%3%6%
3.1%
0%4%8%
7.0%
3%7.5%12%
Default rates: FERS COLA 2.4% (2025 actual) · Inflation 3.1% (10-yr avg) · TSP 7.0% (conservative long-run)
Your debts — add as many as you have
How it works: Add each debt below. Enter the balance, interest rate, and your minimum payment. For 0% promotional loans, enter the promo end date and the rate that kicks in after. The calculator shows payoff dates, total interest, and how much you save with extra payments — updating instantly as you type.
Payoff strategy

Choose how to direct your extra monthly payment. Both strategies pay off all debts at the same total cost — the difference is speed, interest saved, and psychological momentum.

Add your debts above to begin the analysis.
Want a personalized debt elimination plan?

Every retirement situation is different. Schedule a free call to build a strategy that eliminates debt, maximizes your retirement income, and protects what you've built.

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