Debt Payoff Calculator
See how fast you can be debt-free.
Debt-free in
2y 0m
Total interest paid: RM 3,159
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Frequently asked
Snowball vs avalanche — which is better?
Avalanche (highest interest first) saves the most money mathematically. Snowball (smallest balance first) provides quicker psychological wins. Pick whichever you'll stick with.
Should I invest or pay off debt first?
As a rule of thumb: pay off any debt above ~7% interest before investing. Below that, split between debt and investing.
Does this include credit card debt?
Yes — enter your card balance and APR. Credit cards typically have 15–24% APR in Malaysia, making them a top priority.