For anyone with more than one loan or credit card balance
Debt-payoff plan toolkit
The math on debt is mostly counterintuitive — the emotional appeal of paying off the smallest balance first (snowball) is fine, but paying off the highest APR first (avalanche) saves real money. These calcs make the difference concrete.
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Credit Card Payoff Calculator
Start with the worst debt first. See how long fixed monthly payments actually take at your current APR.
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Debt Avalanche Calculator
Avalanche = pay minimums on everything, throw extra at the highest-APR debt. Usually the cheapest math.
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Debt Snowball Calculator
Snowball = pay minimums, throw extra at the smallest balance for a quick win. Compare against avalanche to see the interest cost of the psychological boost.
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Debt Consolidation Calculator
If your average APR is above what a personal loan would charge, consolidation math wins. This shows by how much.
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Early Payoff Savings Calculator
The lever most people underestimate: a small extra monthly payment can shave years off. Model your specific loan.
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Save your progress
Each calculator remembers your last inputs on your device, so you can leave and come back to any of these without losing your numbers. Every step also has a Share this calculation button that copies a link with your inputs baked in — useful for talking things through with a partner or advisor.