How do I make a debt payoff plan with several debts?

Under Debt, Balance, APR % and Min/mo, enter each debt and use Add a debt for more rows. Enter an Extra monthly payment. The tool shows Debt-free in, Total interest, Total paid and the Payoff order.

What is the difference between the snowball and avalanche methods?

Avalanche pays the highest-interest debt first and usually costs the least interest. Snowball pays the smallest balance first for quick wins. Toggle between them, and the tool shows how much avalanche saves.

Is my debt information saved or uploaded?

Calculations run in your browser and nothing is uploaded. Your debt list and extra amount are saved in this browser's local storage, so they return on your next visit. Reset to example restores the sample debts.

Why does it say my debts never pay off?

Your minimums plus the extra payment do not cover the combined monthly interest, so balances never fall. Raise the Extra monthly payment or minimums, and check that APR is entered as a percent.

Does the extra payment go to every debt?

No. Minimums are paid on all debts, and the Extra monthly payment goes to the debt first in your chosen order. When one is cleared, its freed-up payment rolls to the next debt.

Yes. Every tool is free to use, with no account and no credit card. The work runs on your device rather than on our servers, which is what keeps it free to run.

Does it work on mobile?

Yes. It runs in current mobile browsers on iOS and Android, with nothing to install.

🏔️

Free Debt Payoff Calculator

Compare the snowball and avalanche methods across all your debts and see when you will be debt-free.

Runs in your browserNo sign-up, no pop-upsNo login requiredFree foreverSnowball + AvalanchePayoff order

Works offline once loaded

Enter your debts, add an extra monthly amount, and compare the snowball (smallest balance first) and avalanche (highest interest first) methods — all in your browser.

Currency

DebtBalanceAPR %Min/mo

Extra monthly payment

$/mo

Avalanche pays the highest-interest debt first — least total interest.

Your debt list is saved on this device only, so it is still here when you come back.

Snowball and avalanche give the same payoff time and total interest for these debts.

Debt-free in

3 yr 1 mo

Total interest

$2,633

Total paid

$17,633

Payoff order

1. Store Card · Jul 2027
2. Credit Card · Jan 2029
3. Car Loan · Dec 2029

Total balance over time

AvalancheSnowball

⚠️ Estimates for planning only. Assumes fixed rates and on-time payments; your results will vary.

🔒 Your debts are entered and calculated entirely in your browser — nothing is uploaded.

Common uses

Debt SnowballPay the smallest balance first for quick wins.
Debt AvalanchePay the highest interest first to save most.
Snowball vs AvalancheCompare both strategies side by side.
Debt-Free DateFind out exactly when you can be debt-free.
Credit Card Debt PlanBuild a plan to clear multiple cards.
Student Loan Payoff PlanPlan payoff across several student loans.

How It Works

List all your debts, add a fixed extra monthly amount, and compare the snowball (smallest balance first) and avalanche (highest interest first) strategies. See your debt-free date, total interest and the exact payoff order — all in your browser.

1
Add your debts
Balance, APR and minimum payment for each.
2
Set an extra amount
How much more than the minimums you can pay monthly.
3
Pick a method
Toggle between avalanche and snowball to compare.
4
See the plan
Debt-free date, total interest and payoff order.

Your debts are entered and calculated entirely in your browser — nothing is uploaded.

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Free Debt Payoff Calculator

Common uses

How It Works

Related Tools

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Frequently Asked Questions