List every debt
Balance, APR, minimum payment, due date, lender, and current status.
Template
Debt Payoff Planner.
Turn multiple balances into one payoff rule, one monthly review, and a plan for the cash that gets freed later.
Pick the method
Snowball, avalanche, or hybrid. The method should match both math and behavior.
Record payments
Track minimums, extra payments, interest, fees, and remaining balance.
Plan freed cash
When a balance is paid off, decide where that monthly payment goes next.
Debt rights
Use official consumer sources for debt collection and credit information.
Open sourcesDebt freedom date
Estimate payoff timing from balance, APR, and payment.
Open calculator