Debt Magic: Payoff Planner

Build your FREE payoff plan in seconds. Compare Snowball vs. Avalanche, see your payoff date and interest saved, and track every debt.

Debt Magic is a free debt-payoff calculator that makes your plan crystal clear. Add your credit cards, loans, or mortgage and instantly see payoff dates, total interest, and how much faster you can be debt-free.

What you can do:

• Compare methods: Snowball (smallest balance first) vs. Avalanche (highest APR first).
• See the impact of extra payments: add $10–$100+ and watch the payoff date move.
• Amortization made simple: track principal vs. interest over time with clean charts and tables.
• All debts, one place: credit cards, student loans, auto, mortgage, personal loans.
• Visualize your plan for your debt payoff: use the loan calculator and debt payoff calculator to map your path.
• Earn rewards and cash with our bonus rewards dashboard.

Debt Magic is free to use so you can focus on what matters, paying off debt faster.