Enter your debts, experiment with different payment amounts,
compare payoff strategies, and see how your timeline and
interest cost change in real time.
Debts
3
Total Owed
$50,000
Extra Payment
$300/mo
Active Plan
Snowball
01 — WHAT DO YOU OWE?
Build Your Debt Stack
Add every debt you want included in the payoff plan.
Quick Starting Setups
02 — HOW HARD DO YOU WANT TO PUSH?
Payment Control
Change your extra monthly payment and immediately see what happens.
Extra Payment Per Month
$0$2,500$5,000+
One-Time Lump Sum
$
03 — CHOOSE YOUR PAYOFF ORDER
Strategy Lab
Compare different ways of directing your available payment budget.
04 — DEBT FREEDOM DASHBOARD
Your Live Payoff Picture
These indicators update whenever you change your debt or payment plan.
Debt Remaining
$50K
remaining
Freedom Progress
0%
paid
Months To Zero
—
months
Interest Share
0%
of total paid
05 — YOUR ACTIVE PLAN
What Your Plan Looks Like
Total Debt
$0
Total Interest
$0
Total Paid
$0
Payoff Time
—
Estimated Payoff
—
Interest Cost
0%
06 — COMPARE THE PATHS
Snowball vs Avalanche vs Custom
See how the same debt stack behaves under different payoff orders.
Snowball
Smallest balance receives the extra payment first.
Payoff time—
Total interest—
Total paid—
Avalanche
Highest APR receives the extra payment first.
Payoff time—
Total interest—
Total paid—
Custom
Uses the order of your debt stack as the payoff order.
Payoff time—
Total interest—
Total paid—
07 — WHAT IF?
Experiment With Your Money
Tap a scenario and see how your payoff plan changes.
08 — YOUR PAYOFF TIMELINE
Watch Debt Move Toward Zero
0%
Starting point
25%
First quarter
50%
Halfway
75%
Final stretch
100%
Debt free
09 — DEBT BY DEBT
See What Gets Cleared
10 — KEEP YOUR PLAN
Save Your Results
Keep a copy of your current payoff plan or print it for your records.
This calculator provides estimates for educational purposes only.
Actual interest, payments, fees and payoff dates may vary by lender
and account terms.
