Paying off debt depends on a variety of factors, like the total amount of debt, your payment schedule, the principal amount, and interest rates.

There are plenty of financial calculators you can access on the web, which would allow you to calculate your payment schedule.

Your financial advisor should also have software available to run these numbers for you, or in the very least, a financial calculator to run the numbers quickly. The 'inputs' you need to complete the calculation are: the size of your debt, your planned payments, and the interest rate you’re paying.

Generally, it is best to pay-off debt with the highest interest rate first, or to try and consolidate debt with one creditor, with as low an interest rate as possible.

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