Debt Freedom Planner
Debt Snowball & Payoff Calculator
List your debts, add an extra monthly payment, and see how quickly you can become 100% debt-free.
Total Debt
$9,050
Total Monthly Paid
$420
($270 min + $150 extra)Estimated Time
25 months (2.1 yrs)
Estimated Interest
$1,133
Debt Snowball (Behavior First)
Smallest Balance to Largest
Pay minimums on everything, but funnel all extra cash to your smallest balance. When it disappears, roll that payment into the next smallest. Perfect for rapid psychological momentum!
Recommended if you need quick visual wins to stay motivated.
Debt Avalanche (Math First)
Highest Interest Rate to Lowest
Target the debt with the highest APR (e.g. 26% store card) first. This mathematically minimizes the total interest you pay to banks over the life of your debt.
Recommended if you are analytical and want to save maximum dollars.
Your Debts
Enter your current credit cards, personal loans, or auto loans.
Extra Monthly:$150/mo
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