Debt Payoff Planner
Plan to clear credit cards and loans with the avalanche or snowball method: payoff date per debt, interest saved and a printable plan.
Debt-free in
—
Total interest—
With the other method—
Paying only minimums—
Payoff order
How to use the Debt Payoff Planner
- Add each debt: name, balance, annual rate and minimum payment.
- Enter your total monthly budget for debt and choose avalanche or snowball.
- Read the payoff order and dates, then print the plan.
About this tool
List every debt with its balance, rate and minimum payment, set what you can pay each month, and see the order and month each one is cleared.
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
Avalanche or snowball: which is better?
Avalanche (highest rate first) saves the most interest. Snowball (smallest balance first) gives quicker wins that help some people stay on track.
Should I pay off a credit card or a personal loan first?
Usually the card, since card interest of 36–45% a year is far higher than most personal loans.