Planning help
Debt Payoff FAQ
Is debt snowball or debt avalanche better?
Debt snowball is often easier to stick with because it pays the smallest balance first and creates quick wins. Debt avalanche usually saves more interest because it pays the highest APR first. The better plan is the one you can follow consistently.
Does this calculator upload my debt data?
No. Calculations, exports, and share links are handled in your browser. Balances, APRs, minimum payments, and schedules are not sent to a server.
What should I enter as extra monthly payment?
Enter the amount you can reliably pay after covering all minimum payments. Start with a sustainable number so the plan does not compete with essential expenses.
Is this financial advice?
No. Results are educational planning estimates. Real loans may have daily interest, fees, promotional rates, or prepayment rules.