Debt Calcz™ is a really fast and easy-to-use debt payoff calculator for credit cards, store cards and other compound-interest debt. Calcz™ & Convertz™ — Making math more attractive! TWO WAYS TO CALCULATE 1. Find a monthly payment amount to payoff your balance in a given number of months. 2. Find out how many months (or years) it will take to pay off your balance with a given payment amount per month. Results fields show Debt Amount, Interest Rate, Total Amount Paid (debt amount + interest + Fees ), and Interest + Fees. DONT FORGET TO ADD ANY ADDITIONAL MONTHLY FEES Many banks and credits cards these days add monthly fees for various reasons. These fees are added to your balance each month and you do pay interest on those fees. Including those fees in Debt Calcz with increase the accuracy of the results. AND FINALLY... As much as we all like to pretend that we make a big payoff plan and stick to it, more times than not we dont. Using a simple calculator format like Debt Calcz we can easily start over... again... and again... and again... without a huge digital trail reminding us of the plan we didnt stick to. But this time we will! WE WILL! :-)