Debt Payoff Planner

When you owe money in several places, the order you pay them off matters. This planner takes each debt’s balance, yearly interest rate and minimum payment, plus whatever extra you can find each month, and works through every month until the last one is gone. You get a debt-free date, the total interest, and the order your debts disappear.

It runs three strategies at once and lays them side by side. Avalanche sends the extra to the highest interest rate first, which always costs the least. Snowball sends it to the smallest balance first, so whole debts vanish sooner and you feel the progress. My order follows your own list, which you can rearrange with the arrows. Each one is also measured against paying only the minimums, so you can see the months and money the extra saves. When a debt is cleared, its minimum rolls on to the next target.

A chart shows every balance falling, and the month-by-month schedule lists each payment and what is left. Download it as a CSV for a spreadsheet. If a minimum payment does not even cover the interest, the planner warns you straight away. Your debts are saved in this browser only, never uploaded, and one button clears them.

1. Under “Your debts”, type each debt’s name, balance, interest rate (APR) and minimum a month. Press “Add a debt” for more.
2. Pick your currency from the list beside the heading if it isn’t right.
3. Type the extra you can pay each month, on top of the minimums.
4. Choose Avalanche, Snowball or My order, and read your debt-free date and the side-by-side comparison.
5. Explore the chart, open “Show every month”, or press “Download CSV”. Press “Clear my debts” to wipe them from this browser.

• Up to 20 debts, each with its own balance, yearly rate and minimum payment.
• Avalanche, snowball and your own custom order, all calculated together.
• Side-by-side table: debt-free date, time, total interest, and money and months saved against minimums only.
• Freed-up minimums roll on to the next debt, the way the snowball method is meant to work.
• Warning on any debt whose minimum doesn’t cover its monthly interest.
• Chart of every balance and the total, which you can explore by touch, mouse or arrow keys.
• Collapsible month-by-month schedule and a CSV with each debt’s payment, interest and balance.
• Your currency picked from your browser, 30 to choose from, and your list saved on this device only.

• Avalanche is cheapest on paper. If you need quick wins to stay motivated, compare the snowball row: the gap is often smaller than people expect.
• Put any 0% or promotional debt in with its real rate, and remember to change it when the offer ends.
• If a warning says a minimum doesn’t cover the interest, that debt needs extra money first or a call to the lender.
• Even a small extra each month makes a big difference. Try 50 more and watch the date move.
• Use the CSV to track progress: compare each month’s real statement with the planned balance.