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Monthly Payment
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Current commitments
Total Interest
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Estimated cost
Debt-Free In
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At current payments
Your Debts
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Add a New Debt
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Payoff Schedule
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Add your debts to see a month-by-month payoff schedule.
Repayment Strategy
Choose a proven debt-payoff strategy. Your debt priority order on the Dashboard will update automatically. These strategies are free — advanced goal-setting and custom optimization are available in Pro.
Avalanche Method
Pay minimums on all debts, then put every extra dollar toward the highest interest rate first. Saves the most money overall.
Mathematically Optimal
Snowball Method
Pay off your smallest balance first, regardless of interest rate. Great for motivation — you'll eliminate debts faster.
Most Motivating
Highest Balance First
Tackle your largest debt first to reduce your biggest psychological burden and largest absolute dollar exposure.