A computer-implemented method for financial liability payment calculation includes receiving, by a processor, a set of financial liabilities of a user. The method further includes detecting, by the processor, a first financial liability that is in negative amortization using a predetermined threshold duration. The method further includes computing, by the processor, a payment schedule for the set of financial liabilities using the predetermined threshold duration. Computing the payment schedule includes computing priorities for each of the financial liabilities, and reordering the financial liabilities according to the priorities. Computing the payment schedule further includes determining suggested payments for each of the financial liabilities using minimum payments specified for each of the financial liabilities. Computing the payment schedule further includes determining a repayment timeline for the set of financial liabilities using the suggested payments. The method further includes displaying, by the processor, the payment schedule via a user interface.