Debt Payoff Planner Which debt do I kill first, and when am I free?

Everyone online argues about snowball versus avalanche. This runs both on your actual balances and tells you what the difference is worth in dollars — sometimes it's $2,000, sometimes it's $40 and you should take the easier one.

WHAT YOU GET

- Both payoff orders raced side by side, with the cheaper one crowned

- A slider for your extra payment — drag it and watch years disappear

- The month each individual debt clears, so you know what to celebrate

- Warns you if a minimum payment is too small to ever win

- Up to six debts, ten years of the plan

HOW IT WORKS

1. List what you owe — Balance, interest rate and the minimum payment from your statement.

2. Drag the slider — How much extra you can throw at it each month. Watch the finish date jump.

3. Pick your plan — The green card is the cheaper one, with a plain-English reason why.

One file. Double-click it and it opens in the browser you already have — Chrome, Edge, Safari or Firefox. Nothing to install, no account, no subscription.

Nothing you type ever leaves your computer. There is no server involved, which is why it still works with the wi-fi switched off.

30-day refund, no questions asked.