Money calculators
Two questions, really. What can I spend this week, and what happens if I put a little extra at what I owe.
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Paying something down
Debt Payoff Calculator
What an extra amount each week does to any balance, and what it saves in interest.
Student Loan Payoff Calculator
Extra payments against a student loan, including when paying extra is the wrong move.
Mortgage Payoff Calculator
Years off the mortgage, and the honest version of pay-down versus invest.
Car Loan Payoff Calculator
Clearing a car loan sooner, and the two clauses worth checking first.
Personal Loan Payoff Calculator
Fixed-term payoff maths, and what consolidation does and does not fix.
The number these calculators are really about
Every payoff calculator asks the same thing eventually: how much extra can you actually send each week. Most people guess, and the guess is either so cautious it changes nothing or so optimistic it breaks by Thursday.
That is the number Pace works out for you. Bills counted first, savings protected, and what genuinely remains divided into one weekly figure, so the extra you put at a balance is money you already knew you could spare.
Find your weekly number in about two minutes.
Estimates are educational and assume a fixed rate and payment. Pace is budgeting software, not a financial advisor.