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Interactive Calculator & Dashboard

Debt payoff planner that shows your debt free date instantly.

Enter your debts once, customize your country and currency, and compare snowball vs. avalanche strategies side by side.

Your Debt Payoff Dashboard

Manage balances and country currency below to calculate your payoff schedule.

Debt Free Date
Jan 2030
39 total payoff months
Total Interest Paid
$2,784
Total initial debt: $11,850
Monthly Outflow
$465
$365 min + $100 extra

Strategy Comparison Matrix (Snowball vs. Avalanche)

Debt SnowballActive

Payoff Date: Jan 2030 (39 mos)

Total Interest: $2,784

Best for psychological wins by clearing smallest debt first.

Debt Avalanche

Payoff Date: Jan 2030 (39 mos)

Total Interest: $2,784

Saves maximum dollar amount in high-interest debt.

+$100/month

Adding extra payments directly accelerates your debt-free date and reduces interest.

Simulate a tax refund or bonus payment.

Visual Payoff Trajectory (Remaining Debt Balance)

$11,850 → $0
Start (Month 0)MidpointDebt Free (Jan 2030)

Your Debts List (3)

#1
High Interest Credit Card High APR
$3,400 balance @ 24.9% APR
Min Payment
$110/mo
Paid Off In
24 Months
#2
Personal Loan
$7,800 balance @ 11.5% APR
Min Payment
$210/mo
Paid Off In
39 Months
#3
Store Card / BNPL High APR
$650 balance @ 28% APR
Min Payment
$45/mo
Paid Off In
5 Months

Export schedule to CSV spreadsheet or print summary.

How the Debt Payoff Planner Works

Our Debt Planner lets you enter all your outstanding balances (credit cards, store cards, personal loans, or Buy-Now-Pay-Later loans). You can instantly switch between two proven debt payoff strategies:

  • Debt Snowball:

    Focuses on paying off the smallest balance first. Gives quick psychological wins as debts disappear fast.

  • Debt Avalanche:

    Focuses on paying off the highest interest rate debt first. Saves the maximum total dollar amount in interest.