Skip Navigation Site Map Download Adobe® Acrobat Reader 5 or higher to view PDF documents

[Skip to Content]

How Much Do You Owe Calculator

Use this calculator to find out how much you owe. This can be used as a good starting point for your debt management plan. Enter all of your credit cards and outstanding installment loan balances. Find out how much you owe and how long it will take to pay it all off.

JavaScript is required for this calculator. If you are using Internet Explorer, you may need to select to 'Allow Blocked Content' to view this calculator.

For more information about these financial calculators please visit: Dinkytown.net Financial Calculators from KJE Computer Solutions, Inc.

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.

Financial Calculators from
Dinkytown.net

Financial Calculators ©1998-2025 KJE Computer Solutions, Inc.

*indicates required.

Credit card debt:

$0.00

Minimum Payments:

Use credit card minimum for payments

Credit Card Balance #1:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #2:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #3:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #4:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #5:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #6:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #7:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #8:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #9:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Credit Card Balance #10:*This entry is required.Enter an amount between $0 and $100,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:

Auto loan debt:

$0.00

Auto Loan 1:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

Auto Loan 2:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

Auto Loan 3:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

Other loans & installment debt:

$0.00

Personal Loan:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

Real-Estate Loan:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

Other Loan 1:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

Other Loan 2:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

Other Loan 3:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

Other Loan 4:*This entry is required.Enter an amount between $0 and $10,000,000

Interest rate:*This entry is required.Enter an amount between 0% and 36%

Payment:*This entry is required.Enter an amount between $0 and $100,000

Payments remaining:

**FIG_GRAPHTITLE** Line Graph: Please use the calculator's report to see detailed calculation results in tabular form.

Time to pay off debt is KJE1.

Definitions

Use minimum payment

If you checked the "use credit card minimum payments" box, your monthly payment is calculated as 4% of your current outstanding balance. With the "use credit card minimum payments" box checked, your monthly payment will decrease as your balance is paid down. This can greatly increase the length of time it takes to pay off your credit cards. Uncheck this box to enter your own monthly payment that will remain the same until your balance is paid in full.

(The tool calculates your minimum monthly payment as 4% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.)

Credit card balance

Your total current balance for this credit card.

Credit card interest rate

The annual percentage rate you pay for this credit card. The rate you enter is used to calculate the interest on all future credit card payments. The length of time to pay off this credit card may be much greater than calculated if you enter a low promotional interest rate that is only good for a short period of time.

Credit card payment

This is your initial monthly payment. If you checked the "use credit card minimum payments" box, your monthly payment is calculated as 4% of your current outstanding balance. With the "use credit card minimum payments" box checked, your monthly payment will decrease as your balance is paid down. This can greatly increase the length of time it takes to pay off your credit cards. Uncheck this box to enter your own monthly payment that will remain the same until your balance is paid in full.

(The tool calculates your minimum monthly payment as 4% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.)

Loan balance

Your total current balance for an installment loan.

Loan interest rates

The annual percentage rate you pay for this loan. Enter the current interest rate for this loan. This calculator assumes your rate will remain the same for the entire repayment period. The tool uses this to calculate the interest you will pay on this loan and the number of payments that are remaining.

Loan payment

This is your monthly payment. Enter the actual monthly payment for your loan. The tool uses this to determine your payment totals and to calculate the remaining payments.

Remaining loan payments

This is the calculated number of payments remaining for this loan. It is based on your current balance, payment and interest rate.

Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Read more on our accessibility statement