Debt Payoff Planner
Debt snowball · avalanche · payoff timeline
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How the payoff methods work
Debt avalanche puts your extra payment toward the highest interest rate and generally costs the least. Debt snowball targets the smallest balance first, creating earlier paid-off accounts that can help some people stay consistent. This planner applies every required payment, rolls a cleared payment into the next target, and assumes no new borrowing.
Important: this is a planning estimate. Keep making at least required payments, check your lender statement for fees or variable-rate changes, and contact the lender early if a payment may be missed.