Debt Planner — Guide
"Let no debt remain outstanding, except the continuing debt to love one another." Romans 13:8
What it does
Organizes your debts, applies Snowball (smallest balance first) or Avalanche (highest APR first), and projects the month you'll be debt-free based on your extra payment.
How to use it
- List each debt with balance, APR, and minimum payment.
- Choose Snowball or Avalanche.
- Enter your monthly extra payment (if any).
- Review the schedule and total interest saved.
Tips
Snowball gives faster wins; Avalanche saves the most interest. Increase extra payment even slightly to shave months off.
Open the calculator
If this is a paid calculator on your plan, you'll be routed to upgrade.