Tools

Debt Snowball & Avalanche Planner

See how long it will take to become debt-free, how much interest you’ll pay, and how different strategies change your payoff timeline. Add your debts, choose a method, and we’ll show you a calm, structured plan.

1. Enter Your Debts

Add each debt with its balance, interest rate, and minimum monthly payment.

Debt Name Balance ($) Rate (%) Min Payment ($)

Choose your payoff method

Snowball Pay off the smallest balances first for quick wins.
Avalanche Pay off the highest interest rates first to save more on interest.

Extra Payment (optional)

This is on top of your minimum payments and always goes to your current focus debt.

2. See your payoff picture

Estimated debt-free time –
Total paid toward these debts $0
Interest you'll pay $0

Your debts, one by one

  • Start by entering your debts on the left.
Add a few debts and click “Update plan” to see how Snowball or Avalanche changes your time to become debt-free.