Lift Off / Calculators
Debt Repayment
Find your fastest path to debt freedom. Compare the avalanche and snowball strategies to see how quickly you can eliminate your debts.
NZ student loans: set rate to 0% — interest-free for NZ residents.
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Total Debt
$12,000
Min: $320 + $200 extra = $520/mo
Debt Payoff Timeline
Oct 2028
Debt Free Date
$2,593
Total Interest Paid
$3,590
Interest Saved vs Min
$520
Monthly Payment
Want a plan that coordinates debt with your other goals?
Debt strategy works best when it fits your full financial picture.
This calculator assumes consistent monthly payments and does not account for new debt. For a personalised debt strategy, speak with a Lift Off adviser.