Debt Payoff Planner

Debt Payoff Planner compares the snowball and avalanche debt payoff strategies side by side across up to six cards or loans at once. Enter each debt with its balance, APR, and minimum payment, set your extra monthly budget, and the app simulates both strategies simultaneously to show total interest, payoff time, and the order each debt gets cleared. The recommended strategy is highlighted automatically based on which approach saves the most interest or time for your specific mix. Pick a quick-start preset to see the tool in action, or build your own debt list from scratch. Save your scenario to keep a snapshot of the full plan, then load it again any time to pick up right where you left off. All calculations run instantly on your device with no account or internet connection required.