Debt payoff planner
List your debts, add whatever extra you can pay each month, and see your debt-free date — plus exactly how much interest and time that extra payment saves you.
Snowball vs Avalanche
Snowball pays off your smallest balance first — you clear whole debts quickly, which feels great and keeps you motivated. Avalanche targets the highest interest rate first, which saves the most money mathematically. Both roll each cleared debt's payment into the next, building momentum — that's the "snowball" effect.
Why an extra payment matters so much
Because interest compounds against you, even a small extra payment each month can cut years off your debt and save a surprising amount in interest. This planner shows you that exact saving — proof that the road out of debt is shorter than it looks.
Is my financial data uploaded?
No — everything is calculated in your browser and never sent anywhere.
What if a minimum payment is too low?
If a debt's minimum doesn't even cover its monthly interest, it can never be paid off — the planner will warn you. Increase the minimum or extra payment.
Educational tool, not financial advice.