Calculators, comparison guides, a printable planner, a spreadsheet template, and an online tracker — every tool you need to build a debt payoff plan and stick to it.
Run the numbers before making a move.
Enter all your debts and run the snowball or avalanche strategy. See total interest, months to payoff, and month-by-month schedule.
See exactly how much you save after the transfer fee, and the monthly payment needed to pay it off before the 0% period ends.
Calculate your DTI ratio — the number lenders use to approve mortgages, car loans, and personal loans. Know where you stand before you apply.
Pick a target payoff date or a fixed monthly payment and see exactly how long it takes — and how much interest you pay either way.
List your assets and liabilities to see your true financial position. Track it over time to measure real progress as debt goes down.
Download or use online — no account needed.
A fillable, print-at-home planner with debt overview table, monthly payment logs, milestone tracker, and strategy worksheets. Enter your email to download.
Get the PDF →5-tab .xlsx template — debt setup, payoff plan, monthly payment log, snowball vs. avalanche comparison, and instructions. No email required.
Download Free →Track your debts and log payments directly in your browser. Data saves locally — no signup, no server, fully private. Import your plan from the calculator.
Open Tracker →Single-page print worksheet — debt list table, 12-month payment tracker, milestone checkboxes, and a 'My Why' section. Print directly from your browser.
Print Worksheet →Understand your options before choosing a path.
Snowball vs. Avalanche
Side-by-side breakdown of both strategies — which saves more money, which pays off debt faster, and which one to choose.
Debt Consolidation vs. Payoff
When consolidation helps and when it hurts. Compare the real cost of a consolidation loan against paying debts individually.
Balance Transfer vs. Personal Loan
Two popular ways to escape high-interest credit card debt — compared on cost, credit requirements, and risk.
Dave Ramsey vs. Avalanche
Baby Steps snowball method vs. math-optimal avalanche. Understand the trade-off between motivation and interest savings.
Minimum vs. Extra Payments
See the real cost of paying minimums only — and how even $50/month extra can cut years off your payoff timeline.
Tools for specific debt situations.
0% Balance Transfer Cards
Compare the top balance transfer cards — intro periods, fees, and credit requirements.
Debt Relief Options
DIY payoff, NFCC credit counseling, debt settlement, and bankruptcy — compared honestly.
How Balance Transfers Work
Step-by-step guide to executing a balance transfer and avoiding the common mistakes.
Debt Snowball Guide
How the snowball method works, when to use it, and a step-by-step walkthrough.
Debt Avalanche Guide
How the avalanche method works and why it saves the most money mathematically.