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Credit & Debt · Pay Off Debt

Cost-of-Debt Calculator

See the true long-term cost of carrying a balance — total interest and the growth those dollars could earn.

  • Free to use here · embed on the Pro plan
  • 4 inputs · 5 results
  • English & Spanish

Try the Cost-of-Debt Calculator

See what your debt really costs — results update as you type.

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Estimates only — not a loan offer or financial advice.

Put this calculator on your website

What this calculator does

What the Cost-of-Debt calculator works out

The Cost-of-Debt Calculator is a free, embeddable calculator from CalcFunnel. See the true long-term cost of carrying a balance — total interest and the growth those dollars could earn.

You enter 4 inputs: balance, interest rate (%), monthly payment and investment return (%).

It returns total interest paid, months to pay off, total paid, interest % of balance and value if payment invested.

Built for credit counselors and consolidation lenders. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Credit & Debt category.

Results it shows

  1. 01Total Interest Paid
  2. 02Months to Pay Off
  3. 03Total Paid
  4. 04Interest % of Balance
  5. 05Value If Payment Invested

The first figure — total interest paid — is the headline result.

Inputs

The inputs it uses

Each field below comes straight from the calculator, with the same help text visitors see when they hover the info icon.

Debt Details

Balance
The amount you currently owe.
Interest Rate (%)
The annual interest rate on the balance.
Monthly Payment
The fixed amount you pay each month. It must exceed the monthly interest for the balance to go down.

Opportunity Cost

Investment Return (%)
The annual return you could earn if you invested the payment instead. Used to show the opportunity cost of the debt.

For your website

Embed this calculator on your website

Put the Cost-of-Debt Calculator on your own site with your colors, copy and lead form. Every calculation can arrive in your CRM with the numbers attached.

Works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML — paste one line into an HTML or code block. No plugin needed.

Start free How embedding works

Free plan, no card. 14-day trial on Pro & Business.

  1. Inline on any pagePaste the snippet where the calculator should appear. It fills the width of its container and resizes to fit its content.
  2. Popup buttonA button sits on your page; visitors click it and the calculator opens in a popup.
  3. Floating corner widgetPaste once — or in your site-wide footer code — to show a floating calculator bubble in the corner of every page.
  4. Open from your own link or buttonGive any existing link, button or image a class and it opens the calculator when clicked.
  5. Direct linkA full-page link to the calculator for emails, social posts, QR codes or a menu item.

FAQ

Cost-of-Debt calculator FAQs

Still stuck? Ask the team — we reply within one business day.

Q.01What does the Cost-of-Debt Calculator calculate?
See the true long-term cost of carrying a balance — total interest and the growth those dollars could earn. It returns total interest paid, months to pay off, total paid, interest % of balance and value if payment invested.
Q.02What information do I need to use the Cost-of-Debt Calculator?
You enter 4 inputs: balance, interest rate (%), monthly payment and investment return (%). Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Balance” mean in the Cost-of-Debt Calculator?
The amount you currently owe.
Q.04What does “Interest Rate (%)” mean in the Cost-of-Debt Calculator?
The annual interest rate on the balance.
Q.05Is the Cost-of-Debt Calculator free to use?
Yes — you can use it on this page for free, without an account. Embedding it on your own website needs the Pro plan (from $150/month, with a 14-day free trial), which unlocks the Credit & Debt category. Compare plans.
Q.06Can I embed the Cost-of-Debt Calculator on my website?
Yes. Embed it inline, as a popup button, as a floating corner widget, from your own link or button, or share a direct link. It works on WordPress, Wix, Squarespace, Webflow, Shopify, GoHighLevel and plain HTML sites with one line of code — see embedding.
Q.07Is the Cost-of-Debt Calculator available in Spanish?
Yes. Labels, tooltips and result names are available in English and Spanish, and visitors can switch language in the calculator.
Q.08Can the calculator capture leads?
Yes. It can end with a lead form, a Get a Quote form, a Share panel or a button to any URL. Leads are saved with the inputs and results attached and can be forwarded to your CRM by webhook.
Q.09Are the Cost-of-Debt results financial advice?
No. Estimates only. Assumes a fixed rate and payment with no new charges. The invested-value figure is illustrative and not a guaranteed return. Confirm terms with your lender.

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The Cost-of-Debt Calculator is one of 188 calculators you can brand and embed with one line of code.

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  • 14-day trial on Pro & Business
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