Payoff methods calculators

Debt Snowball

List your debts and see the snowball plan month by month: minimums on everything, all extra at the smallest balance, and each cleared minimum rolling into the next debt. You get a debt-free date, the payoff order, total interest, and the exact month each debt disappears.

Debt Avalanche

List your debts and see the avalanche plan month by month: minimums on everything, all extra at the highest APR, freed minimums rolling forward as each debt clears. You get a debt-free date, total interest, and a side-by-side against the snowball order for the same debts.

Early Payoff

See exactly what an extra monthly payment does to any fixed-payment debt: the months removed from the schedule, the interest avoided, and the new payoff date. Computed month by month on the declining balance, with the baseline and the accelerated schedule shown side by side.

Payoff Date

Two directions, one date: enter a payment to get the calendar date a balance reaches zero, or pick a target date to get the exact monthly payment that lands there. Dates clamp properly at month ends, and the closed-form answer is checked against a full month-by-month schedule.