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Credit & Debt · Pay Off Debt

How Much Do You Owe Calculator

Add up all your debts into one view — total balance, total payment, and blended interest rate.

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

Try the How Much Do You Owe Calculator

See your total debt picture — 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 How Much Do You Owe calculator works out

The How Much Do You Owe Calculator is a free, embeddable calculator from CalcFunnel. Add up all your debts into one view — total balance, total payment, and blended interest rate.

You enter 3 inputs: balance, rate (%) and monthly payment.

It returns total debt, total monthly payment, blended interest rate, total monthly interest and number of debts.

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 Debt
  2. 02Total Monthly Payment
  3. 03Blended Interest Rate
  4. 04Total Monthly Interest
  5. 05Number of Debts

The first figure — total debt — 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.

Balance
The amount owed on this debt.
Rate (%)
The annual interest rate on this debt.
Monthly Payment
Your monthly payment on this debt.

For your website

Embed this calculator on your website

Put the How Much Do You Owe 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

How Much Do You Owe calculator FAQs

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

Q.01What does the How Much Do You Owe Calculator calculate?
Add up all your debts into one view — total balance, total payment, and blended interest rate. It returns total debt, total monthly payment, blended interest rate, total monthly interest and number of debts.
Q.02What information do I need to use the How Much Do You Owe Calculator?
You enter 3 inputs: balance, rate (%) and monthly payment. Every input starts with a sensible default, so you can change only what you know.
Q.03What does “Balance” mean in the How Much Do You Owe Calculator?
The amount owed on this debt.
Q.04What does “Rate (%)” mean in the How Much Do You Owe Calculator?
The annual interest rate on this debt.
Q.05Is the How Much Do You Owe 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 How Much Do You Owe 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 How Much Do You Owe 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 How Much Do You Owe results financial advice?
No. Estimates only. The blended rate is a balance-weighted average for comparison. Enter up to four debts; leave a balance at zero to skip it.

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Your website does the math. You get the lead.

The How Much Do You Owe 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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