Runway: Debt Payoff Planner

Plan debt payoff with snowball, avalanche, payment tracking, and interest-saving projections.

Turn balances, APRs, minimum payments, income, and expenses into a clear month-by-month debt payoff plan. Runway shows your projected debt-free date and the path to get there. Compare debt snowball, debt avalanche, and custom strategies, record real payments, and test changes before committing them to your plan.

PLAN YOUR PAYOFF • Add credit cards, loans, balances, APRs, minimum payments, and promotional rates. • See projected payoff dates, total interest, and monthly cash flow. • Compare snowball, avalanche, and custom payment priorities side by side. • Set a target date and see the extra monthly payment your goal would require.

TRACK WHAT ACTUALLY HAPPENS • Record payment amounts and dates. • Follow your month-by-month payment roadmap. • See how confirmed payments change remaining balances and projections. • Review progress against the plan you chose.

TEST CHANGES FIRST • Model extra payments and income or expense changes. • Preview how a scenario changes payoff timing and interest. • Keep experiments separate until you decide to apply them.

UNDERSTAND THE NEXT MOVE Runway Copilot can explain projections, flag plan risks, summarize progress, and help you think through scenarios. Runway’s calculation engine remains the authority for balances and payoff dates.

YOUR DATA, YOUR CONTROL • No bank connection is required. • Sync your plan securely across supported devices. • Export a copy of your plan when you need it. • Delete plan data or your account from the app.

Runway is an educational planning tool. It does not lend money, move funds, repair credit, or promise a financial outcome. Copilot responses may be inaccurate and are not financial advice. Verify important decisions independently.

Runway Core is available as an optional one-time purchase that unlocks unlimited debt tracking, advanced payoff scenarios and comparisons, and CSV tools. There is no recurring charge for Runway Core.

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