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Debt Repayment Planner

List your debts, choose how much extra you can pay each month, and see when you will be debt-free with the snowball or avalanche method.

Your debts

Debt	Balance	Interest % per year	Minimum per month

Your plan

Extra payment each month On top of the minimum payments. When a debt is paid off, its minimum payment moves to the next debt.

Repayment method Debt snowball Smallest balance first. Quick wins keep you motivated. Debt avalanche Highest interest rate first. Usually the least interest in total.

Not sure which to choose? Read Debt Snowball vs. Debt Avalanche

Results

Snowball or avalanche?

Method	Debt-free by	Total interest

Payoff order

#	Debt	Paid off	Interest paid

Year by year

Year	Paid	Interest paid	Remaining debt

How the plan works

Every month, interest is added and every debt gets its minimum payment. The extra payment goes to the debt your method puts first. When that debt is gone, everything you paid on it moves to the next one, so the payment grows like a snowball. Interest is estimated monthly from the yearly rate; your lender's figures may differ slightly.

Download your plan

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This tool is for planning and learning. It does not give financial advice, and the results depend entirely on the numbers you enter.