Our Debt Management Calculator helps you plan your financial future by estimating how long it will take to pay off your debt based on your balance, annual percentage rate (APR), and monthly payment. After entering your figures, the calculator determines the number of months needed to fully repay the debt and calculates the total interest paid over time. It ensures your payment is sufficient to reduce the balance and avoids infinite calculations by flagging underpayments. This tool is ideal for budgeting and understanding the long-term cost of borrowing.