A real month-by-month payoff simulation, not a rough guess. See exactly when you'll be debt-free, and how much interest you'll actually pay.
Minimum payments alone can take years longer than they need to.
Putting an extra $50 toward debt each pay, but no way to see what difference it actually makes.
Both strategies get recommended, but without real numbers it's impossible to know which suits you.
Balance, interest rate, and minimum payment for each one.
Snowball (smallest balance first) or Avalanche (highest interest first).
A month-by-month simulation shows exactly when you're debt-free, and what it costs in interest.
Pick snowball or avalanche, list your debts, then open the Dashboard. Nothing else to set up.
List the balance, rate and minimum payment for each debt. The planner works out which to clear first based on your chosen strategy.
Months to go, total interest and which debt your extra payment should go to, all calculated month by month from your own numbers.
See which debt is cleared first, what each one costs in interest, and the month it is gone.
Same debts, same extra payment. See what each approach costs in interest and how many months it saves.
This planner exists because minimum payments alone can feel like they'll never end, and generic advice about snowball vs avalanche doesn't tell you your actual numbers. This shows you exactly what your own numbers do.
Yes. It works in Microsoft Excel and Google Sheets.
No. You enter your debts yourself, balance, rate, minimum payment.
No. This is purely a payoff planning tool, it doesn't recommend any specific financial product.
Snowball pays off the smallest balance first for quick wins. Avalanche pays off the highest interest rate first, which saves the most money. You choose which one to use.
No. This is an educational planning tool, not personalised financial advice.
You get immediate access to the downloadable file and a short setup guide.
A real month-by-month simulation, not a rough guess.
Get the Planner →