PayoffPlan

Debt payoff calculator

See when the cards go to zero.

Enter every balance, APR, and minimum. Set the cash you can put toward debt each month. PayoffPlan compares avalanche and snowball in this browser — months to payoff, interest paid, and the month-by-month ledger.

No account No backend Stays on this device Not credit or debt advice

Your debts

Balances, APRs, minimums

Use the current statement balance, the purchase APR, and the minimum due. The plan runs entirely in this browser.

Include every minimum plus extra you can put toward debt this month.

Add at least one debt with a balance to compare avalanche and snowball.

Ledger

Month-by-month schedule

A debt payoff calculator that shows both rules

Avalanche and snowball are two ways to spend the same monthly budget. This debt payoff calculator keeps every minimum current, then sends the leftover to either the highest APR or the smallest balance. You get months to payoff, interest paid, the order accounts close, and a ledger you can export.

Use it for credit cards, a personal loan, or a leftover auto note. The numbers never leave this browser. Read the disclaimer before you change a payment — this is a planning sketch, not credit or debt advice.

Avalanche

Highest APR first

Minimums on everything. Extra cash hits the costliest rate. Usually the cheaper path.

How the methods differ

Snowball

Smallest balance first

Same minimums. Extra cash retires the smallest debt so you get an early win.

Why interest keeps moving

Credit cards

Built for revolvers

Use it as a credit card payoff calculator or mix in an auto loan or personal note.

Open the card-focused view