Debt avalanche
Prioritize higher interest rates to focus on estimated interest cost.
Debt payoff planning
Compare a strategy before committing to it.
Model balances, APRs, minimum payments, promotional periods, and extra payments. Compare approaches without changing your actual ledger.
Choose deliberately
Different strategies answer different priorities.
Debt snowball
Prioritize smaller balances to create earlier account-level milestones.
Promotion-aware
Factor promotional periods into a scenario so expiring rates are not invisible.
Common questions
Using the payoff planner
Are payoff dates guaranteed?
No. Results are estimates based on the information and assumptions you enter. Interest methods, fees, payment timing, and lender rules may change actual results.
Can I test an extra payment?
Yes. Save editable scenarios for extra payments, lump sums, balance transfers, consolidation, or other alternatives.
Does planning alter my real transactions?
No. What-if scenarios are designed for comparison. Actual activity remains in the shared ledger.