The Date When the Debt Is Due Calculator estimates a date and calendar estimate for your scenario from the quantities, rates, period, units and other assumptions requested on the page. Replace the example values with your own date when debt is due figures and recalculate after changing an assumption. Use it to compare scenarios, then verify any current rate or fee before acting.
Enter the amount of debt, interest and current payments, and see when you're going to pay off, or how much more you need to pay off if you're going to pay off your debt as set.
Current plan.
The date of payment.
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Months
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Total Interest
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Total payments
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Debt cleared on target.
You pay monthly.
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Add to current
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Total interest (this plan)
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How to calculate the maturity date
This calculator uses the reducing balance formula, which is the method used by most financial institutions in Thailand, by calculating the number of installments remaining from the remaining debt, the interest rate and the monthly installment.
Formulas used
n = -log(1 - P×r/PMT) / log(1+r)
where P = remaining debt, r = interest rate per month (interest rate per year ÷ 12), PMT = monthly instalment, n = number of installments remaining
A debt reduction trick.
I'm going to get a lot of money.
Increase the payments even if only 500-1,000 baht per month, the accumulated benefits are greater than you think.
Avoid creating new debt while you're repaying old debt.
Refinance if you get lower interest rates and the cost is worth it.
example
The debt 150,000 baht interest 18%/year repayment 5,000 baht/month will end the debt in 37 months (about 3 years) pay total interest about 33,000 baht but if you add the payments to 7,000 baht/month will end in 24 months save interest more than 10,000 baht
Frequently asked questions
What's the formula for the monthly payments?
Use the formula n = -log(1 - P×r/PMT) / log(1+r) where P = remaining debt, r = interest rate per month, PMT = monthly installment This formula applies to interest rate deductions, which is the method used by most financial institutions.
Why would a debt relief of 500 baht a month help?
Because interest is calculated on the balance, faster reduction of the balance means less interest accumulated each month, like a snowball rolling down a hill, a small but steady increase in interest pays off in the positive direction.
What happens if the installment is less than the interest per month?
The debt will never end because every month the debt increases instead of decreasing. This is a dangerous situation. You have to increase the payments at least more than the interest per month to reduce the principal.
How many years should you set a target for debt repayment?
Depending on the type of debt, credit card and personal loan debt should be tried to close within 2-5 years because of the high interest rate, home loan may be longer, but if you can pull up more, you should do it to reduce the total interest rate.
Check before using results
Summary before deciding
This calculation result is suitable for preliminary planning. Actual figures should be checked from documents or official sources before making important decisions.
The calculation is based on the information you enter on this page.
Special cases may require additional information.
It is recommended to record or compare the results with the related tools below.
Disclaimer: The results of the calculations are estimates only. Actual figures may vary according to the terms of the financial institution. They are not financial advice.
English calculator guide
How to use the Date When the Debt Is Due Calculator
Use this page to test a specific date when debt is due scenario. Enter your own values in the calculator above, review the units beside each field, and recalculate after changing an assumption. The result updates the date when the debt is due estimate instead of relying on a generic example.
Build a baseline date when debt is due case with figures that match your situation.
Run a second date when debt is due case after changing the rate, period, quantity or other key assumption.
Record the difference between the two date when debt is due results and the input responsible for it.
Inputs for the date when debt is due estimate
For this date when debt is due calculation, check the quantities, rates, period, units and other assumptions requested on the page. The result is designed to show a date and calendar estimate for your scenario, not a guaranteed provider price or official decision.
How the date when debt is due result is calculated
The calculator compares the selected dates using calendar-based intervals and the date rules shown on the page. Reusing the same date when debt is due inputs will produce the same estimate, which makes the page suitable for controlled scenario comparisons.
Checks for a date when debt is due decision
Confirm any current rate, threshold or provider rule that could change the final amount. For date when debt is due, Use the result to compare affordability, not as a lending offer. Check the lender’s effective rate, fees, insurance, payment schedule and approval conditions before committing. Check the important inputs and any current provider or authority rules before using the result for a decision.
Language QA
Terminology, numeric values and calculator controls checked
Review formula structure, test cases, data sources, effective dates, and risk language accordingly.How to check our · There is no claim that an outside professional reviewed it. Unless the page directly states the name and qualifications. This content is therefore not individual advice.
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