Stop guessing which debt to pay first. Enter your balances, rates, and minimum payments — get a personalized payoff plan comparing Debt Snowball vs. Debt Avalanche side by side. See exactly when you'll be debt-free, how much interest each strategy costs, and how much extra payments save you in real dollars. ## What's included - **Snowball vs Avalanche side-by-side comparison** — time to debt-free, total interest paid, monthly payment schedule - **Extra payment impact analysis** — what $50 / $100 / $500 extra does to payoff date and total interest - **Lump-sum bonus calculator** — tax refund / bonus / windfall applied to which debt = biggest impact - **Milestone tracking** — first card paid off, halfway point, debt-free date - **Refinance calculator** — when a balance transfer or consolidation loan saves money (and when it doesn't) - **Income-impact modeling** — raise / second job / side income → payoff acceleration - **Visual payoff chart** — month-by-month debt remaining - **Print-friendly action plan** — your personal payoff playbook to follow ## Limitations - **Not financial advice** — produces calculations; complex situations (bankruptcy, garnishment, student loan forgiveness) need a financial counselor - **Doesn't pay debts for you** — produces the plan; you make the payments - **Assumes minimum payments are made on time** — if you can't make minimums, the math changes (and you need a credit counselor) - **U.S.-focused** for credit card / student loan / mortgage assumptions - **Doesn't pull credit reports** — you provide the balances + rates ## Best fit Anyone with 2+ debts feeling overwhelmed. Especially valuable for households with $20K-$200K of consumer debt (credit cards + auto + student loans) who've never seen the snowball vs avalanche comparison applied to their actual numbers.
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