Debt payoff planner

Add each debt with its balance, APR, minimum payment and due day. Then pick an order and an extra amount to pay each month.

Pick an order

• Avalanche pays the highest APR first.
• Snowball pays the smallest balance first.
• Custom pays in the order you set.

When a debt is paid off, its minimum rolls into the next one, so your monthly total stays the same.

See the whole plan

The planner shows your debt-free date, the month each debt is paid off, the total interest and how that compares with paying only the minimums. A chart and a month-by-month schedule table show how each balance goes down. If a minimum payment is less than a month of interest on that debt, you get a warning, because that balance would grow.

Each debt's payment is placed on your calendar on its due day. Safe to spend includes it.

Track it with Plus

With Plus, do a monthly check-in: enter the balances from your latest statements. A chart then compares your actual balances with the plan, and shows whether your debt-free date moved.

The results are arithmetic on the numbers you enter. Lenders usually compound interest daily, so your statements will differ slightly. Compare the two orders for free with the snowball vs avalanche calculator or find your debt-free date.