About PayoffRoute

PayoffRoute is a collection of free financial calculators focused on one theme: borrowing and getting out of debt. Home equity loans, HELOCs, credit card payoff strategies — the decisions where understanding the real numbers can save you thousands of dollars.

Our principles

• Free, forever, no signup. Every tool works instantly without an account, an email address, or a paywall.
• Private by design. All calculations run in your browser. The numbers you enter are never stored on or transmitted to any server.
• Total cost, not teaser payments. Every calculator shows lifetime interest and total repayment, because a low monthly payment can hide an expensive loan.
• Show the math. Each tool is accompanied by a plain-English explanation of exactly how the numbers are computed, so you can verify them yourself — and our methodology page publishes the formulas, assumptions, and verification process behind every calculator in full.
• Verified before release. Every calculator's output is checked against independently computed results and automated tests covering edge cases (0% rates, payments below interest, extreme fees) before it ships, and each page shows when it was last reviewed.

What we are not

We are not a lender, a broker, or a financial advisor. Results are educational estimates based on the numbers you enter; actual loan offers depend on your credit profile and your lender. For decisions involving significant sums, consult a qualified financial professional.

Contact

Found a bug, have a question, or want to suggest a calculator? Visit the contact page — feedback directly shapes which tools get built next.