About

A calculator, not a counselor

PayoffPlan exists to make avalanche and snowball visible on the same screen. You type balances. The browser does the arithmetic. Nothing is submitted to an API.

The project is a static site built for Cloudflare Pages. Advertising slots are reserved so a publisher can attach Google AdSense without changing the layout.

We are not a lender, credit repair company, debt settlement firm, or law office. We do not pull credit files or place payments.

If you are behind on payments or dealing with collectors, look up a nonprofit credit counselor or a legal aid clinic in your area. This site will not do that work for you.