Debt Payoff Planner

Enter each of your debts, including the balance, interest rate, and minimum monthly payment. If you have extra money available each month, add it in the extra payment field to see how much faster you can become debt-free.

 

The planner compares the Snowball method, which pays off the smallest balances first, with the Avalanche method, which targets the highest-interest debts first. You’ll see how long each strategy takes, how much interest you’ll pay, and how much you could save by choosing the most efficient approach. Scroll down to view the month-by-month payoff timeline, showing remaining balances, interest paid, and progress over time for each method. When you’re done, you can export your results as a CSV file to open in Excel or Google Sheets for saving, sharing, or further planning.