Find out when you’ll be debt-free, and get there faster.
MoneyXPS is a free tool that builds your debt payoff plan. No credit check, and no bank login needed to start.
No sign-up needed to use the calculators.
Quick estimate
Use your own numbers. Nothing is saved.
Debt-free by
August 2029
Interest you’d save with a plan
$2,402
Months saved
16
Quick estimate treats your debts as one balance at your average rate. Your full plan looks at each debt for an exact date.
How it works
- Step 1
Enter your debts
Type in what you owe, the interest rate, and your monthly payment. It takes about 2 minutes.
- Step 2
See your payoff plan and date
We show you which debt to pay first and the month you’ll be debt-free.
- Step 3
Track progress and pay less interest
Check in each month to see your debt shrink, and find ways to lower your interest.
Free calculators. No account needed.
Not sure where to start? Pick the one that fits you.
Debt Payoff Calculator
Use this if you want to know when you’ll be debt-free and which debt to pay off first.
Find my payoff dateDebt Consolidation Calculator
Use this if you’re thinking about combining several debts into one new loan, and want to know if it would save you money.
Check if I’d saveDebt-to-Income (DTI) Calculator
Use this if you plan to apply for a loan or mortgage. It shows how much of your monthly income goes to debt payments.
Check my DTIWhy create a free account?
The calculators are a quick check. An account helps you follow through.
- Save your plan and come back to it anytime, on any device.
- A payment calendar with every due date in one place.
- Monthly check-ins that show how much you’ve paid off.
- Add your income and monthly bills to see how much you have available to pay down debt.
- Personalized options that could lower your interest rate (some are from sponsors).
No credit card. No bank login.
Free, honest, and private
Free. No hidden fees.
There’s no trial and no paid plan. You never need a credit card.
How we make money
We may earn a fee when you choose a sponsored offer, like a lower-rate loan, but you never pay us and the tools work the same either way. Read our disclosure
Your info stays private
- We never ask for your bank login.
- We never check your credit.
- Your balances, income, and rates are never sent to ad or analytics companies.
Common questions
Is it really free?
Yes. The calculators, payoff plan, payment calendar and progress tracking are all free. There is no trial, no paid plan and no credit card needed.
How do you make money?
We show sponsored offers, like lower-rate loans, that may help you pay off debt. If you choose one, the company may pay us a fee. You never pay us anything, and the tools work the same whether you use an offer or not.
Do I need to connect my bank?
No. You type in your balances, interest rates and payments yourself. We never ask for your bank login.
Will this affect my credit score?
No. MoneyXPS never checks your credit, so using it has no effect on your score. If you apply for a sponsored offer, that lender may check your credit as part of its own application. That is separate from MoneyXPS.
What is debt consolidation?
It means rolling several debts into one new loan. If the new loan has a lower interest rate, you could pay less interest and have just one payment each month. Fees or a longer loan can cancel out the savings, so our free calculator shows you whether it would really save you money.
What is DTI?
DTI stands for debt-to-income ratio. It is the part of your monthly income (before taxes) that goes to debt payments. For example, if you earn $4,000 a month and pay $1,200 toward debts, your DTI is 30%. Lenders look at it when you apply for a loan or mortgage. Lower is better.
See your debt-free date in 2 minutes.
Free · No credit check · No bank login