How this site is funded, and our editorial independence policy.
DebtPayoffCalc's calculator results, blog guides, and educational content are produced independently by Numerlyn LLC. Our calculations use standard, published amortization formulas — not proprietary or biased assumptions designed to favor any lender, credit counseling service, or financial product. See our Methodology page for the full formula detail.
Like most free web tools, DebtPayoffCalc may eventually display advertising or participate in affiliate programs to cover hosting and development costs. If we do add any paid partnership, we commit to: (1) never letting a paid relationship influence the calculator's math or results, (2) clearly and conspicuously labeling any sponsored or affiliate link at the point where it appears, and (3) keeping this disclosure page current with an accurate, complete list of active partnerships.
Nothing on DebtPayoffCalc constitutes personalized financial, legal, or credit counseling advice. Our tools are for general educational and planning purposes. For advice specific to your situation, consult a licensed financial advisor or a nonprofit credit counseling agency accredited by the National Foundation for Credit Counseling or a similar body.
If you have questions about this policy or want to report a concern, please contact us.