What this tool will do
You’ll get a clear, single-page picture of your debts:
- Enter balances, interest rates, and minimum payments
- See payoff order using snowball vs avalanche
- Test an extra monthly amount and watch the timeline shrink
- Export a simple “plan” you can keep on your fridge or in Notes
Tool status
We’re currently testing payoff math and making sure the numbers are easy to read, not overwhelming.
While we finish, you can still make progress: list debts from smallest balance to largest, pay minimums on all, and throw any extra money at the smallest first. That’s the snowball method this tool will show visually.