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The strategy · Debt

Debt strategy

Enter each obligation — the optimizer orders them by cost.
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Total debt
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across 0 debts
Debt-free in
—
with current strategy
Total interest saved
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vs minimum payments only
Monthly payment
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min + extra
Two parallel rows of period coins on walnut — left graduated largest-to-smallest, right inverted, a brass ruler across the midline. Two methods compared as objects.
Payoff strategy
Extra monthly payment
Drag to see the impact instantly
+$0
—
months faster
—
interest saved
—
debt-free date
Your debts
Ordered by payoff priority
The ledger is clear.
Snuffed wooden match beside an envelope stamped PAID — debts on the verge of being put to rest.
Paid in full, or not yet started.
Add your loans, credit cards, and any other debts to see your optimised payoff plan.
Debt elimination timeline
Total balance decreasing over time
Min only Optimised
Avalanche vs Snowball comparison
Same extra payment, different order
Metric Avalanche Snowball
Add debts to see comparison
Month-by-month schedule
Exact payoff dates per debt
Month Date Payment Balance Event
Add debts to see schedule