I use the
Debt Reduction Planner at CNN.com, which I've found very helpful and user-friendly.
Even so, I also pay multiple payments per month, and I haven't found a good calculator for that, including the one above. What I always end up doing is figuring out what the monthly amount
would be and put that in.
For example, if I pay $50/week payments, that's $2600/year, or $216.67/month. Or, if I pay $50 every 14 days, and $100 every
other 14 days, that's $3900/year, or $325/month (not $300/month, as many would assume).
However, if your payment amounts are inconsistent and fluxuate week-to-week or month-to-month, then it will be more difficult to track how much you're actually paying each mont.
~ Jenney