Features / Debt payoff
See the true cost, then beat it
Track cards and loans with real rates and minimums, compare avalanche and snowball plans, and watch the payoff date move as you pay.
The whole picture
Balances, APRs, minimum payments, and due dates in one place — entered by hand or imported, with your edits always taking precedence.
Avalanche vs. snowball, side by side
See the debt-free date and total interest under each strategy, with your real numbers — not a generic calculator's.
Interest made visible
Minimum-payments-only projections show what waiting actually costs, per debt and in total.
Term loans on their own schedule
A mortgage isn't a credit card. Loans with a term or maturity date are projected on their amortization schedule, so payoff estimates stay realistic for each kind of debt.
A practical example
For a $1,000 debt at 24% and a $500 debt at 12%, avalanche prioritizes the higher rate; snowball prioritizes the smaller balance. Compare both using the same payment budget. Projections change with rates, fees, and new charges.
Compare estimated payoff paths, keep the inputs current, and make payments separately through your lender.