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Debt Payoff Calculator
Enter your debts. Drag extra payments. Compare Snowball vs Avalanche.
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Your Debts
Add as many as you need
$0$500$1000
Bonus payments in a future month (tax refund, bonus, side hustle).
Vs paying only minimums
Plan frees you —. Minimums alone: —.
Progress toward debt-free0%
Balance over time
Debt kill order
Which debt is paid off in which month
Cash you get back
Each paid-off debt frees its minimum payment for the rest of the plan
Recent Scenarios
Run a calculation to save scenarios here.
What to do with the money you free up
After you are debt-free, park emergency cash and invest the payment you used to send to creditors.
- Build a 3–6 month emergency fund in a high-yield savings account
- Increase retirement contributions by the amount of your old debt payment
- Consider balance-transfer or 0% intro offers only if you have a written payoff plan
HYSA pick
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Balance transfer
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Non-intrusive placements appear only after you run a calculation.