The Debt Payoff Planner
Put in what you owe, the rate and the minimum. Pick snowball or avalanche. The plan works out the order, the payoff date and what the interest is really costing you.
Not finished yet. Send us a message and we will tell you the day it lands.
Why we made it
It is hard because the numbers live in four different apps, three statements and one envelope you have not opened. Nobody can make a plan out of that, so most people pay a bit here and a bit there and hope.
Put every balance in one list and something changes. You can see which one to kill first, what the interest is quietly costing, and the actual month it ends. That date is the thing that keeps people going.
Inside the tool
Every number comes from what you typed. Change a rate or add ten dollars a month and everything moves with it.
What you owe, what you pay each month, the month you are free and the interest still to come. If your payment does not cover the interest, it says so plainly instead of drawing a pretty chart.
Snowball, avalanche or your own order. You get the order to attack them in, the month each one clears, and the interest each will cost. Print it and stick it on the fridge.
Add an extra amount each month and the tool shows both plans side by side: how many months you save and how much less interest you pay. Honest arithmetic, no promises.
Log each payment as you make it. The balance comes down, the plan updates, and cleared debts get marked. Deleting a payment puts it back, so the numbers stay true.
Honestly
Your data
There is no account, no login and no server. Everything you type is kept by your own browser, on the machine you typed it on. We cannot see it, because it never reaches us.
Save a backup file whenever you like and load it on another device or after a reinstall. That file is plain readable text, so you are never locked in.
Price
The Debt Payoff Planner
$14.99
One-time payment. Instant download.
Everything included
We will message you once, when it is ready. Nothing else.
Want more than one? The Money Library holds every core tool in a single download, for less than buying them one by one.
Questions
Avalanche costs less because it kills the highest rate first. Snowball clears a whole debt sooner, which keeps most people going. The tool shows both, so pick the one you will actually stick to.
No, on purpose. You type the balances in. That takes ten minutes once, and nothing about your accounts ever leaves your device.
The tool says so, in plain language, and tells you the interest figure you need to get above. It will not draw a payoff date that cannot happen.
Yes. Anything with a balance, a rate and a monthly payment fits, up to 40 debts.
Yes. $14.99 once, the file is yours, and updates to this tool are free.
