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Your payoff plan

Put every debt in one clear plan.

Start with the balances, APRs, and minimums shown on your statements. Nothing is sent from this page.

Debts to pay off
DebtBalanceAPRMinimumRemove

Optional amount above all minimums.

Optional monthly payment above minimum payments.

Compare strategies

Two ways to direct the same payment.

Both plans pay every listed minimum first, then apply the remaining monthly amount to the next debt.

Snowball

Smallest balance first

2 years, 8 months
Debt-free
April 2029
Est. interest
$3,163.08

Payoff order

  1. 1.Credit card
  2. 2.Personal loan

Avalanche

Highest APR first

2 years, 8 months
Debt-free
April 2029
Est. interest
$3,163.08

Payoff order

  1. 1.Credit card
  2. 2.Personal loan

Estimates assume fixed APRs, minimum payments, and no new charges. Interest, fees, promotional rates, and lender payment rules can change real results.

Plan for surprises

Give the next expense a place to land.

Use this as a simple planning aid for household costs that do not arrive every month. Set a target and deadline, or choose your own monthly set-aside.

This is not financial advice. Adjust these targets for your household, insurance, savings, and payment deadlines.
CategoryTargetBy dateSet asideRemove

Private by design: your calculator entries stay in this browser. This planner does not require an account or submit your debt or expense details.