01 / List your debts
Credit cards, loans, and minimums in one place.
Add a balance, APR, and minimum payment for each account. The planner totals what is due now before showing a path forward.
A clearer way to pay down debt
Make a plan to get out of debt sooner.
See your credit cards and loans together, compare payoff strategies, and understand what an extra payment could change—without turning money planning into a second job.
No login. Your planner entries stay in your browser.
A plan you can read at a glance
Estimated debt-free date
March 2029
With minimums + an extra $100/month
Total debt
$13,000
Extra impact
Earlier payoff
Example only. Your payoff date and estimated interest depend on your balances, APRs, payments, and account terms.
How it works
Start with the numbers you already have.
02 / Compare paths
Snowball or Avalanche.
See the payoff order, estimated debt-free date, and estimated total interest for both approaches.
03 / Make room for life
Plan the next surprise expense.
Set simple targets for car repairs, home repairs, medical costs, and annual bills—so a predictable cost has a place to land.
For the unexpected
Debt payoff works better when the next expense is not a surprise.
Car repair
Home repair
Medical cost
Annual bill
FAQ
Plain answers before you start.
Is this financial advice?
No. DebtPay Plan is a planning tool that shows estimates using the numbers you enter. It does not recommend a loan, credit product, or a decision for your household.
How are payoff dates and interest estimated?
The planner estimates monthly interest from the APR you enter, applies every listed minimum payment, and sends any remaining payment to debts in Snowball or Avalanche order. Rates, fees, promotional terms, and payment rules can change actual results.
What is the difference between Snowball and Avalanche?
Snowball puts additional payment toward the smallest balance first. Avalanche puts it toward the highest APR first. The planner shows both so you can choose the approach you are more likely to stick with.
Do I need an account?
No. The debt payoff planner works without a login. Your entries stay in this browser and are not submitted by the planner.
Start with one clear view
Know what you owe. See what paying extra could change.
Build a debt payoff plan and a simple buffer for the household costs that always seem to show up.
Open the free plannerEstimates only. No login required.