Debt Payoff Planner

Snowball or avalanche — see the real numbers.

Debt Payoff Planner simulates two well-known debt-elimination strategies side by side: Snowball (smallest balance first, for momentum and quick wins) and Avalanche (highest interest rate first, mathematically minimizing total interest). Add any number of debts with their balance, rate, and minimum payment, plus an extra amount you can put toward debt each month, and see the exact payoff order, time to debt-free, and total interest paid for each strategy — with the money saved by whichever method wins shown directly, instead of relying on generic advice about which method is 'better.'

• →Compares Snowball (smallest balance first) and Avalanche (highest rate first) side by side
• →Simulates the full payoff schedule, including rolling freed-up minimum payments into the next target debt
• →Shows exact months to debt-free and total interest paid for each strategy
• →Shows the exact payoff order for each method
• →Flags scenarios where minimum payments can't outpace interest, before showing a misleading result
• →100% local calculation — nothing you enter is sent to a server
• →Watermarked by Cikal Studio Labs · Works on any device, no install required