Multiple debts are like fighting a war on different fronts. You owe the bank. You owe your friend. You owe that side hustle supplier. Your brain is doing mental gymnastics trying to track everything, and honestly? It’s exhausting.

This calculator is your general in this war. It looks at all your debts, does the math, and tells you exactly when you’ll be completely, totally, 100% free.

How To Use It

Hit “Add Debt/Loan” See that button? Click it. A form pops up. Fill it out for your first debt.

Name Your Debt Call it what it is. “Car Loan,” “Credit Card,” “Money I Borrowed From Aunty,” whatever. This is just so you remember what’s what when you’re tracking multiple debts.

Total Amount How much do you owe in total? If it’s ₦200k, type that in. Don’t play yourself by typing less. Be honest with yourself here.

Monthly Payment What are you paying every month towards this specific debt? ₦20k? ₦50k? Type it.

Repeat For Every Debt Got more debts? Click “Add Debt/Loan” again and fill out another form. Add as many as you need. The calculator can handle it even if your spirit can’t.

Your Freedom Dashboard

Once you’ve entered everything, the calculator transforms into your personal freedom counter. Here’s what you see:

Debt-Free Date: The most beautiful date you’ll see all year. This is when your last payment clears and you’re finally free. Write this date down. Frame it. Manifest it.

Countdown Timer: Years, months, and days remaining. Watching this number go down is oddly satisfying. It’s like a countdown to New Year’s, except the celebration is you owning your life again.

Total Debt: The calculator adds up everything you owe. Yes, it might hurt to see the full number, but knowing is the first step to conquering.

Monthly Payments: How much is leaving your account every month across all these debts? This number helps you understand why your salary disappears so fast.

Progress: As you pay, this shows you how far you’ve come. It’s the motivation you need on tough days.

Why This Hits Different

Because seeing one big goal is easier than juggling five small confusing ones. Instead of thinking “I have to pay Bola, I have to pay GTBank, I have to pay…” you think “In 18 months, I’m debt free. Period.”

That mental shift changes everything. You stop feeling overwhelmed and start feeling determined. You can plan your life around that freedom date. You know when you can start saving for that business. When you can upgrade your lifestyle. When you can breathe.

Power Move: Every time you make a payment, come back to this calculator and update the remaining amount. Watch your freedom date move closer. It’s the dopamine hit you deserve.