Organize multiple debts, payments, and extra cash simply. Choose avalanche, snowball, or custom priority rules. Get schedules, charts, downloads, and practical payoff guidance today.
This page stays in a single column, while fields below switch to 3, 2, and 1 columns by screen size.
Use this sample set to test the planner quickly.
| Debt | Balance | APR | Minimum payment | Custom priority |
|---|---|---|---|---|
| Credit Card A | $8,200.00 | 22.90% | $230.00 | 1 |
| Car Loan | $14,500.00 | 6.80% | $310.00 | 2 |
| Personal Loan | $5,400.00 | 12.50% | $160.00 | 3 |
Monthly interest = Current balance × (APR ÷ 12).
Updated balance = Current balance + Monthly interest − Payment.
Extra payment = Monthly debt budget − Sum of minimum payments.
Avalanche method sends extra money to the highest APR debt first.
Snowball method sends extra money to the smallest balance first.
Custom method follows your manual priority ranking from lowest number upward.
Total interest is the sum of all monthly interest charges across the full schedule.
It is a planner that combines all debts into one monthly schedule. It estimates payoff dates, interest costs, and the order your extra money should follow.
Avalanche pays minimums on every debt, then sends leftover money to the highest APR balance. This usually produces the lowest total interest cost.
Snowball pays minimums everywhere, then attacks the smallest balance first. It often creates quick wins, which can help motivation and consistency.
The budget represents the total amount you can pay across all debts each month. The planner uses it to split minimum payments and extra payoff money.
The planner stops and shows an error. Your monthly budget must at least cover the combined minimum payments to keep the schedule realistic.
Yes. Choose the custom option and assign lower numbers to debts you want paid first. The planner follows that ranking for extra payments.
No. This version assumes fixed APR values and fixed minimum payments. Promotional rates, late fees, and variable-rate changes should be modeled separately.
CSV is useful for spreadsheet analysis and progress tracking. PDF works well for printing, client reviews, or saving a clean snapshot of the plan.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.