Debt Payoff Planner

Avalanche (highest APR first) costs less, always. Snowball (smallest first) feels better, which matters if you'll quit otherwise. The calculator prices both so it's an informed choice.

When a debt is cleared, its old minimum payment gets added to your attack amount. Your monthly debt payment stays constant, but it concentrates on fewer debts — accelerating the finish.

Then the plan is just the slow road — the calculator will show exactly how slow, which is often the motivation to find extra dollars.

Sometimes: one lower-rate loan can beat juggling five high-APR cards. But consolidation only works if you stop adding new debt.

Highest APR first, ties broken by smaller balance. Every dollar kills the most expensive interest first.

No. Planning estimates only — nonprofit credit counselors help for free when debt is serious.