“The borrower is slave to the lender.” — Proverbs 22:7
Enter your debts, pick your strategy, and get a month-by-month payoff plan — free, no sign-up required.
Strategy
Strategy comparison
| ❄ Snowball | 📉 Avalanche | |
|---|---|---|
| Payoff date | Jun 2030 | Jun 2030 |
| Total interest | $3,979 | $3,979 |
| Months to payoff | 47 | 47 |
| You save | $0 | — |
💡 Balance Transfer Opportunity
Your Chase Visa is charging 22.99% interest. Transferring this balance to a 0% intro APR card could save you an estimated $1,598 in interest over 18 months (after a 3% transfer fee of $162).
→ Compare 0% balance transfer cardsOverwhelmed by the timeline? See your options: → Debt relief options | Compare 0% cards →
Balance over time
Payment schedule
| Month | Debt | Payment | Principal | Interest | Remaining |
|---|---|---|---|---|---|
| Mo 1 | Chase Visa | $335 | $232 | $103 | $5,168 |
| Car Loan | $185 | $138 | $47 | $8,062 | |
| Student Loan | $130 | $75 | $55 | $11,925 | |
| Mo 2 | Chase Visa | $335 | $236 | $99 | $4,932 |
| Car Loan | $185 | $139 | $46 | $7,924 | |
| Student Loan | $130 | $75 | $55 | $11,850 | |
| Mo 3 | Chase Visa | $335 | $241 | $94 | $4,692 |
| Car Loan | $185 | $139 | $46 | $7,784 | |
| Student Loan | $130 | $76 | $54 | $11,774 | |
| Mo 4 | Chase Visa | $335 | $245 | $90 | $4,447 |
| Car Loan | $185 | $140 | $45 | $7,644 | |
| Student Loan | $130 | $76 | $54 | $11,698 | |
| Mo 5 | Chase Visa | $335 | $250 | $85 | $4,197 |
| Car Loan | $185 | $141 | $44 | $7,503 | |
| Student Loan | $130 | $76 | $54 | $11,622 | |
| Mo 6 | Chase Visa | $335 | $255 | $80 | $3,942 |
| Car Loan | $185 | $142 | $43 | $7,361 | |
| Student Loan | $130 | $77 | $53 | $11,545 | |
| Mo 7 | Chase Visa | $335 | $259 | $76 | $3,683 |
| Car Loan | $185 | $143 | $42 | $7,218 | |
| Student Loan | $130 | $77 | $53 | $11,468 | |
| Mo 8 | Chase Visa | $335 | $264 | $71 | $3,419 |
| Car Loan | $185 | $143 | $42 | $7,075 | |
| Student Loan | $130 | $77 | $53 | $11,390 | |
| Mo 9 | Chase Visa | $335 | $270 | $65 | $3,149 |
| Car Loan | $185 | $144 | $41 | $6,930 | |
| Student Loan | $130 | $78 | $52 | $11,312 | |
| Mo 10 | Chase Visa | $335 | $275 | $60 | $2,874 |
| Car Loan | $185 | $145 | $40 | $6,785 | |
| Student Loan | $130 | $78 | $52 | $11,234 | |
| Mo 11 | Chase Visa | $335 | $280 | $55 | $2,594 |
| Car Loan | $185 | $146 | $39 | $6,639 | |
| Student Loan | $130 | $79 | $51 | $11,156 | |
| Mo 12 | Chase Visa | $335 | $285 | $50 | $2,309 |
| Car Loan | $185 | $147 | $38 | $6,492 | |
| Student Loan | $130 | $79 | $51 | $11,077 |
Best balance transfer cards to pay off faster
Not sure which strategy to pick? See snowball vs. avalanche compared — the math, the psychology, and a clear recommendation.
Snowball vs. Avalanche →Want a paper backup? Print the free worksheet — debt list table, 12-month tracker, and milestone checkboxes.
Print Worksheet →Free resource
A printable PDF to track your balances, plan your payoff order, and celebrate each debt you eliminate. Plus weekly tips.
One-click confirm. No spam. Unsubscribe anytime.
Learn
The math, the psychology, and a clear recommendation based on your situation.
From balance transfers to side income — ranked by actual impact.
Exact timelines at every payment level — with the three levers that change everything.
FAQ
Thinking about consolidating your debt? See debt consolidation vs. payoff strategy — when consolidation helps and when it costs more.
Consolidation vs. Payoff →Have a personal loan in your debt mix? See the personal loan payoff guide — prepayment penalties, refinancing, and payoff strategies explained.
Personal Loan Guide →Dealing with medical bills? See the medical debt guide — how to negotiate, payment plans, and when medical bills can be forgiven.
Medical Debt Guide →Paying off student loans? See the student loan payoff guide — snowball vs. avalanche for student debt, refinancing, and income-driven repayment explained.
Student Loan Guide →Free tools
Every tool on this site is free — no account, no subscription.
Debt Payoff Calculator
Compare snowball vs. avalanche — get a month-by-month payoff schedule.
Balance Transfer Calculator
See your net savings after the transfer fee and the payment needed before 0% ends.
DTI Calculator
Calculate your debt-to-income ratio — the number lenders check before approving loans.
Net Worth Calculator
Assets minus liabilities — the most honest measure of your financial health.
Credit Card Payoff Calculator
Pick a payoff date or fixed payment and see exactly how much interest you'll pay.
Debt Payoff Tracker
Log payments, track balances, and celebrate milestones — saved in your browser.
Free Debt Payoff Planner (PDF)
9-page printable planner with monthly logs, thermometer tracker, and milestone pages.
Debt Payoff Spreadsheet
5-tab Excel / Google Sheets template — debt setup, payoff plan, and 10-year payment log.
Printable Worksheet
One-page print-and-fill worksheet — debt list, 12-month tracker, and milestone checkboxes.
Free financial tools
Mortgage Calculator
MorgCalc →
Monthly payment, affordability, refinance break-even — with real state tax rates.
🚗Auto Loan Calculator
CarPaymentNow →
Calculate your monthly car payment, total interest, and compare loan terms instantly.
📋W-4 Withholding Calculator
W4Calc →
Get your federal withholding right so you stop over- or under-paying taxes.
💵Salary & Take-Home Pay Calculator
MyTakeHomeCalc →
See exactly what your salary takes home after federal taxes, state taxes, and FICA.