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Debt Payoff Planner

Find your debt-free date using avalanche or snowball. See total interest saved and exact payoff timeline.

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Frequently asked questions

What is the avalanche vs snowball method?
Avalanche pays highest-rate debt first (saves most money). Snowball pays smallest balance first (psychological wins). Avalanche wins mathematically in 94% of cases.
How long to pay off $20,000 in credit card debt?
At 19.9% APR paying $600/month: approximately 47 months paying about $8,200 in interest. Adding $100/month more cuts this to 38 months.
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