Debt Payoff Planner
List every debt, yes, even the mobile loans. Pick a strategy. Meet your debt-free date.
Before you start
Debt Payoff Planner
Estimate your debt-free date and compare two clear repayment orders using your own balances and payments.
List each debt: balance, interest rate and minimum payment.
Choose snowball for smallest-balance wins or avalanche to target the highest interest rate.
Add any extra you can put toward debt each month.
See your debt-free date, then save or download the plan.
Private and confidential: everything runs in your browser. We never see your numbers, and nothing is stored unless you choose to save or email your plan.
Minimum payments still matter
The planner pays the required minimum on every open debt first. It then sends your extra payment, plus payments freed by cleared debts, to the next target.
Interest changes the answer
Avalanche targets the highest annual interest rate first, which usually reduces the total interest paid.
Save before you leave
Create a free account or email the plan so your debt-free date and payoff order are not lost.
Choose your working currency
All debts and payments update together.
Choose a currency
Your debts
Your strategy
Snowball is for momentum. Avalanche is for lower total interest. You can switch anytime and compare the result.
Even a small extra amount changes your date dramatically. Slide, or type any amount in the box.
Your debt-free date
from today
Payments don't cover the interest, increase the monthly amount to make progress.
Add your debts to see your freedom date
Total debt
Interest you'll pay
Vs other strategy
The road to zero
Strategy face-off
Debt-free in
mo
Interest paid
Payoff order
Make it a goal
Once the numbers look realistic, set a debt-free goal so the plan becomes part of your wider money dashboard.
Save & download your report
Your full debt payoff plan, branded and printable.
Enter your email to save this plan and start your free dashboard.
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Saved. Your report is downloading now.
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