Debt Payoff Calculator — Snowball & Avalanche Planner

Your exact payoff order (which debt to attack first)

How many months until you’re debt-free

Total interest you’ll pay — and how much you can save

A live comparison between the Snowball method (smallest balance first) and the Avalanche method (highest interest first)

Everything updates in real time as you adjust your numbers. Add extra monthly payments and watch your payoff timeline shrink instantly.

This isn’t a template you have to fill in — it’s a working tool that does the math for you.

What you get:

✓ Instant access, works on any device

✓ No signup required

✓ Nothing saved or uploaded — your numbers stay private

✓ Unlimited use, forever

Built for people who are done guessing and ready to see the real path out of debt.