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Want to get out of debt fast?

It’s not always easy, but with the right steps, you can take control and leave your loans in the past. Take a look at the resources on this page and use the debt calculator to work out how quickly you can be debt-free.

Debt calculator

How fast can you shed your debt? It’s time to find out. Plug your debts in and chart the quickest way to pay them off.

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Top money hacks

List all your debts by order of interest rate (ie, by how much they’re costing you) to get a good view of your situation. 
Keeping all your minimum payments going, take all extra money you can find and funnel it towards your most expensive debt first. Or tackle the one with the lowest balance to pick up momentum.
Cut up your credit card and avoid buy now pay later loans to steer clear of more borrowing.

Recommended for you

Here are some key guides, tools and blogs to help you sort your debt.

Guide

How to get out of debt quickly

Debt’s so easy to get into, but the longer it lingers, the more expensive it gets. Here’s how to get rid of your debt as fast as possible.

A man and woman are sitting together at a table in a cafe

Tool

Budget planner

Desperate to wave goodbye to your debts? A budget can be helpful to figure out how to free up some money for paying yours off.

Guide

Pros and cons of debt consolidation

Ever heard of ‘consolidating’ debt? It means taking out a new loan to wrap all our existing debts together and pay them off at once.

Tool

Money personality quiz

Did you know we all have a money personality? Uncover yours with our quiz so you can understand more about your money habits and behaviours. This’ll help you make your money decisions.

Guide

Buy Now, Pay Later

Are you using products like Afterpay or Zip? These can be a helpful way to spread a cost over time, but it is creating debt, so we need to stay on top of them.

Guide

Credit cards

Credit cards are an easy way to pay for things, but they can add to the debt pile quickly. There are steps you can take to keep your card under control.

Guide

Car loans

It can be tempting to borrow to buy a new car, but remember most vehicles go down in value, not up. It helps to work out how much you really can afford to spend before going shopping.

Video

How to get rid of debt faster

Imagine how good it would feel to be debt-free! Here’s the quickest way out.

Guide

Personal loans

Personal loans can be used for all kinds of things – weddings, renovations, holidays or consolidating debts. But they can get expensive, so it's important to know what we're getting into.

Dad and daugher eating watermelon at the kitchen bench

Guide

How to manage your mortgage and pay off your home loan early

It feels good to be a homeowner! If you can afford to boost your repayments, it’s a great idea that’ll get you mortgage-free earlier and may save you thousands in interest.

Guide

Interest-free deals and hire purchase

A hire purchase deal lets us take home a product while we’re paying it off. Is it worth holding off getting this to avoid more debt?

Guide

Student loans

Feeling weighed down by your student loan? It’s important not to borrow more than you need, but remember student loans are what we call a ‘smart debt’.

Guide

How to refinance your mortgage

Refinancing is when you replace your home loan with another to get better terms or borrow more. It’s also a great opportunity to save on interest and pay off your home more quickly.

Mum reading books to dauger and son in an indoor play tent