Single-Debt Planner - Cents of Purpose

Single‑Debt Payoff Planner

Enter debt details, choose mode (payment → payoff time or target date → required payment), and get a full amortization schedule with CSV export.

Currency

First payment date

Current balance

Interest rate (APR %)

Payment frequency

Interest compounding frequency

Calculation mode

Payment amount per period (leave blank for target mode)

Target payoff date (for target mode)

Extra recurring payment per period

One-time extra payment (amount)

Apply one-time extra on which payment number

Notes (optional)

Tip: leave payment blank in Target mode. Payment should at least cover periodic interest or tool will show required minimum.

Time to payoff

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Estimated payoff date

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Total interest paid

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Total paid (principal + interest)

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#	Payment date	Payment	Interest	Principal	Extra	Balance