Debt Payoff Visualizer
Enter your debts and see the fastest path to debt freedom. Compare the Avalanche and Snowball methods side by side.
Your Debts
⚡ Extra Monthly Payment
Any extra money you can put toward debt each month — beyond your minimums. Even a small amount makes a real difference.
$
For educational purposes only. Calculations are estimates based on the numbers you provide. Actual payoff timelines may vary based on minimum payment changes, fees, or other factors. Consult a financial professional for personalized guidance.
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Add at least one debt to see your payoff plan
Total Debt
$0
Min. Monthly Payments
$0
Method Comparison
🏔️ Avalanche
Pay highest interest rate first. Mathematically optimal — saves the most money.
Payoff Time
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Total Interest Paid
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Debt-Free Date
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❄️ Snowball
Pay lowest balance first. Builds momentum with quick wins — great for motivation.
Payoff Time
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Total Interest Paid
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Debt-Free Date
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