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Lump-Sum Payment Simulator

Organize obligations and compare deterministic payoff scenarios. Your entries remain on this device unless you deliberately export or share them.

Saved only on this deviceNot saved yet

Purpose-built local worksheet

Compare a payoff plan with a one-time principal payment.

Current balanceAPR (%)Monthly paymentLump-sum paymentLump-sum date

Lump-sum scenario

Optional follow-up reminderShown only in your device workspace. Open the installed app to receive enabled reminders.

Educational organization and calculation tool only. Verify inputs, rules, deadlines, and outputs before acting. FreeCreditBot is not a law firm, lender, credit bureau, or credit repair company.