Debt Payoff Calculator

Know your options when it comes to paying off debt.

What is left on your balance?


What is your annual average interest rate?


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I want to make monthly payments of


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I want to be debt free in




Monthly Payment




Principal Paid:


Interest Paid:


Debt Free By

Month Year


Origination Fee

A commission-based fee charged by some lenders to cover the cost of processing the loan. For personal loans, the fee typically ranges from 1% to 8% of the total loan amount and is generally paid upfront.

Interest Rate

The amount charged by the lender for use of the funds, applied as an annual percentage of the principal amount. Interest rates on unsecured personal loans can be as low as 5% depending on the borrower's credit profile, income, and any existing debt.


The Annual Percentage Rate (APR) on a loan is the interest rate for a whole year. It is the percentage of the principal amount the borrower will pay over the course of a year, taking into consideration all interest, original fees, and any other fees. Loans are offered with fixed or variable APRs. The interest rate on a fixed APR personal loan will not change over the term of a loan, whereas the interest rate on a variable APR personal loan may change.

A personal loan could help

People often use a personal loan to pay off their debt in full. Here’s what your situation might look like if you used a personal loan with an estimated average interest rate to refinance your debts.

*This chart is for informational purposes only. Uplift Financial does not guarantee approval for a loan.

Personal Loan (15%)

Monthly Payment




Principal Paid:


Interest Paid:


Debt Free By:

Month Year

Ready to search for a personal loan? Compare options in minutes with our simple application.

See which of our lending partners can offer you loans today. Checking your loan options is free and can take as little as three minutes and will not affect your credit score

I want a personal loan for...

Debt Consolidation

Pay Off Credit Card

Home Improvement


Household Expenses

Car Loan

Refinance Student Loan

Large Purchases


Car Repair



Life Event






Checking your loan options does not affect your credit score.