A clearer way to look at debt
The Payoff Plan was created to make debt payoff decisions easier to understand. Instead of guessing whether the debt snowball or debt avalanche method is better for you, our free calculator helps you compare the two using your own balances, interest rates, minimum payments, and extra monthly payment.
What the free calculator shows
- Your estimated debt-free date
- Your estimated total interest under each payoff strategy
- A side-by-side Snowball vs. Avalanche comparison
- A month-by-month view of your progress
- A spreadsheet you can update as your numbers change
Our approach
Debt can feel complicated. The goal of The Payoff Plan is to turn the numbers into a simple, practical plan you can understand and use. Our tools are educational and are designed to complement—not replace—professional financial, legal, tax, or credit advice.
Questions?
Reach us at support@getpayoffplan.com.