Debt Payoff Planner

Precision calculations to accelerate your financial freedom. Choose your strategy and model your escape from debt.

menu_book Read Debt Guide

TOTAL DEBT BALANCE

$0.00 PRINCIPAL REMAINING

MONTHLY INTEREST

$0.00 WEIGHTED APR: 0%

PROJECTED DEBT-FREE

--- 0 MONTHS SAVED

TOTAL INTEREST SAVED

$0.00 VS. MINIMUM PAYMENTS

Debt Inventory

DEBT NAME	BALANCE	APR (%)	MIN PAY	ACTION

Payment Strategy

TOTAL MONTHLY BUDGET

EXTRA MONTHLY PAYMENT

$0 ABOVE MINIMUMS

This Month's Payment Allocation

Pay the TARGET debt aggressively; pay only the minimum on all others. When it's gone, roll that freed payment to the next target.

Your Payoff Sequence

Debts will be eliminated in this order based on your selected strategy.

Copies your debt profile to clipboard

info

How the Payoff Planner Works

Enter every debt you carry — credit cards, auto loans, student loans, lines of credit — along with each balance, annual percentage rate (APR), and minimum required payment. Set your total monthly budget and the planner instantly models two scenarios side by side.

Debt Avalanche

Targets the highest-APR debt first while paying minimums on everything else. When that debt is gone, its freed-up payment rolls to the next highest rate. Mathematically optimal — minimizes total interest paid.

Debt Snowball

Targets the smallest balance first regardless of rate. Each eliminated account creates a psychological win and a growing payment that accelerates subsequent payoffs. Ideal when motivation is the primary obstacle.

The Payoff Timeline chart shows your total balance declining month by month — the dashed grey line is minimum-payments-only; the green line is your optimized strategy. The gap between them is your saved interest and reclaimed time.

Any payment above your combined minimums becomes extra firepower directed entirely at the target debt. Even an extra $50–$100/month can shave years off your payoff horizon and save thousands in interest.