Calculadora de Fecha de Libertad de Deudas — Fórmula

Your Debt Freedom Date

This calculator determines exactly when you will be completely debt-free.

Formula

Months = -ln(1 - B x r / P) / ln(1 + r)

Where B is total balance, r is monthly rate, and P is monthly payment.

Accelerating Your Freedom Date

Every extra dollar paid reduces both the timeline and total interest:

  • $100/month extra can cut years off your payoff
  • Annual bonuses or tax refunds applied to debt make a big impact
  • The snowball effect accelerates as each debt is eliminated

    • Ejemplo Resuelto

    $45,000 total debt at 12% average, paying $1,000/month with $0 extra.

    1. Monthly rate = 12% / 12 = 1%
    2. Months = -ln(1 - $45,000 x 0.01 / $1,000) / ln(1.01)
    3. Months = -ln(0.55) / ln(1.01) = 60 months (5 years)
    4. Total interest = $1,000 x 60 - $45,000 = $15,000