Car loan, student loan, credit card, personal loan — throw a little extra at it and see the actual date you're free.
Your required payment mostly feeds interest, especially early on. Every extra dollar skips the line and goes straight to principal — which shrinks next month's interest, which lets more of your normal payment hit principal too. It compounds in your favor for once.
Juggling several debts? The classic strategies are the snowball (smallest balance first, for motivation) and the avalanche (highest APR first, for math) — this tool works on one loan at a time, so run it on whichever debt your strategy says to attack.
Two things to check with your lender: that extra payments are applied to principal (not "next month's payment"), and that there's no prepayment penalty — rare on car and personal loans, but worth 30 seconds to confirm.
Estimates are for education, not financial advice. Assumes a fixed APR and monthly compounding.
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