My debt-free date
A payoff date you looked at once is trivia. A date you check monthly is a plan. Build a plan in the snowball or avalanche calculator, press Save my plan, and this page becomes your instrument: the big date, whether it moved since last time, the milestones on the way, and a calendar file so the date exists outside this tab too.
Everything you type here is computed in your browser. Nothing you enter is stored on a server, sent anywhere, or shared — there is no account, and your balances never leave your device.
No ads on this page, by design.
How this page works
The date is computed by the same engine as the planner: interest accrues monthly on each declining balance, the monthly budget stays constant at the sum of your original minimums plus your extra, and when a debt clears, its minimum rolls into the next one. The conventions and their sources are on the methodology page.
Every visit re-computes the date from your saved balances and records a snapshot, so the page can tell you whether the date moved since last time. That history — like the plan itself — lives in your browser's localStorage and is never transmitted. The share card is deliberately amount-proof: it can show the date and your progress percentage, and nothing else, because nothing else is passed to it.