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See how long until you’re debt-free and how much interest you’ll pay — then let Hunch track every balance for you.
Enter a balance, its interest rate and your monthly payment to see how long until it’s gone and how much interest you’ll pay along the way. Paying more than the minimum shortens the timeline dramatically because less of each payment is lost to interest.
Every extra dollar goes straight at the principal, which shrinks the balance that future interest is charged on. Even $50 more a month can cut months or years off high-interest debt.
If the payment is at or below the monthly interest, the balance never falls — the calculator will flag this. You need to pay more than the interest to make real progress.
The avalanche method (highest interest rate first) saves the most money; the snowball method (smallest balance first) builds momentum with quick wins. Both work — pick the one you’ll stick with.
Hunch tracks every balance in one place and its AI can suggest how much to put toward debt each month based on your real cash flow.