Snowball & Avalanche Custom order CSV export

Debt Payoff Planner

Snowball (lowest balance), Avalanche (highest APR), or your custom order — plan payoff without sending data anywhere.

Budget aware Monthly Set a single payoff budget
Strategies Snowball / Avalanche / Custom Reorder debts to fit your plan
Export CSV Download a full payoff schedule
Start planning Read FAQ

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Plan your payoff

Set a payoff budget, pick a strategy, then add each debt with balance, APR, and minimum payment.

Start date defaults to the current month. Adjust if you plan to begin later.

Debts

Name Balance APR % Min payment Order Actions

Make your budget work harder

Adjust the budget

  • Increase the monthly budget until Interest Saved stops rising to find the sweet spot.
  • Try a temporary boost — enter a higher budget for a few months, then revert.
  • Re-run with minimums only to benchmark how much interest you save.

Stay motivated

  • Track the projected payoff date and months remaining to celebrate milestones.
  • Use the exported CSV to update spreadsheets or share progress with a partner.
  • Revisit the plan each quarter to account for new balances or rate changes.

FAQ

Can I model biweekly payments?

Yes. Enter your monthly budget as the total you can contribute each month. Add debts with their usual minimums and the planner allocates the rest automatically.

How do I prioritize a specific debt?

Switch to the Custom strategy, then drag debts using the up/down buttons to fit the order you prefer.

Does the planner support promotional 0% APR cards?

Yes. Set APR to 0 during the promo period, then rerun the plan with the new rate when the promotion ends.

Is my information stored?

No. Inputs stay in your browser memory only. Refreshing or closing the tab clears them.