Debt Payoff Planner
Add every debt you owe, compare snowball vs avalanche side by side, and watch your debt-free countdown. Your plan saves automatically in your browser — no account needed.
Your Debts
Payoff Strategy
Extra Monthly Payment
Total monthly: $450 ($350 minimums + $100 extra). Paid-off minimums roll into the next debt automatically.
Snowball vs Avalanche
Same debts, same payments — only the order changes.
Both methods cost about the same for your debts — pick the one that keeps you motivated.
📉 Your Payoff Timeline
🎉 Payoff Milestones
- 1Credit Cardpaid offAug 2029(month 34)
- 2Car Loanpaid offSep 2030(month 47)
Payment Schedule
| Month | Payment | Interest | Balance | Milestone |
|---|---|---|---|---|
| Nov 2026 | $450 | $166.67 | $16,717 | |
| Feb 2027 | $450 | $157.30 | $15,848 | |
| May 2027 | $450 | $147.52 | $14,950 | |
| Aug 2027 | $450 | $137.33 | $14,023 | |
| Nov 2027 | $450 | $126.69 | $13,064 | |
| Feb 2028 | $450 | $115.59 | $12,072 | |
| May 2028 | $450 | $103.99 | $11,045 | |
| Aug 2028 | $450 | $91.88 | $9,983 | |
| Nov 2028 | $450 | $79.23 | $8,884 | |
| Feb 2029 | $450 | $66.01 | $7,745 | |
| May 2029 | $450 | $52.20 | $6,565 | |
| Aug 2029 | $450 | $37.75 | $5,343 | 🎉 Credit Card paid off |
| Nov 2029 | $450 | $28.17 | $4,086 | |
| Feb 2030 | $450 | $20.21 | $2,804 | |
| May 2030 | $450 | $12.10 | $1,499 | |
| Aug 2030 | $450 | $3.84 | $169 | |
| Sep 2030 | $170 | $1.05 | $0 | 🎉 Car Loan paid off |
DebtClear Pro
Free for up to 3 debts. Pro when you need more.
$29.99/yr (about $2.50/mo) or $4.99/mo
- ✓Unlimited debts (free stops at 3)
- ✓Export your plan as PDF or CSV
- ✓Cloud backup across devices
How This Planner Works
Each month, the planner applies interest to every balance, pays the minimum on all debts, then directs your extra payment to the priority debt — smallest balance first (snowball) or highest APR first (avalanche). When a debt is paid off, its minimum payment rolls into the next debt automatically, so your plan accelerates over time.