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See exactly when you’ll be
debt-free — and what it costs to wait.
Add your balances, APRs, and minimum payments. We’ll compare the avalanche, snowball, and hybrid payoff strategies and show the months and interest you’d save by adding an extra payment.
- Exact payoff month, not a ballpark
- Interest saved with every extra dollar
- Optional: get a personalized AI payoff plan emailed to you
Your payoff snapshot
Minimums only
0 mo
Total interest paid: $0
With your extra payment
0 mo
Total interest paid: $0
You’d save
0 months
$0 in interest
Recommended payoff order Avalanche
Want the full plan, written for your numbers?
Confirm your email and we’ll send you a free, personalized AI debt payoff plan — a month-by-month roadmap, a this-week action checklist, scripts for calling your creditors, quick budget wins, and risk warnings.
- Tailored to your exact debts and strategy
- Delivered after you confirm your email
- Unsubscribe any time. No spam.
Avalanche
Pay minimums on every debt, then attack the highest-APR balance with every extra dollar. Mathematically optimal — saves the most interest.
Snowball
Attack the smallest balance first. You feel wins fast, which keeps you going. Costs slightly more interest, but adherence is what actually pays off debt.
Hybrid
Knock out any balance under $1,000 first for momentum, then switch to avalanche. Best of both for most people.
Important disclaimer
This calculator and any personalized plan we email you are for educational purposes only. We are not a lender, credit counselor, attorney, accountant, or financial advisor. Results are estimates based on the numbers you enter and assume fixed APRs, no new charges, and on-time payments. Actual results will vary. Nothing here is financial, legal, tax, debt-settlement, or investment advice, and there is no guarantee any debt will be paid off. Please consult a qualified professional for advice tailored to your situation.