💸 Debt Strategy · Any Currency · Any Debt Type
✦ AIKnow Exactly When You'll Be Debt-Free.
Enter your debts, set your extra monthly payment, and see your exact payoff date, total interest, and the smartest order to eliminate each debt — updated in real time as you type.
From $9/month
All 10 products included
Less than one month's interest on a credit card. One clear plan saves thousands.
Works with credit cards, personal loans, car loans, student debt · Any currency
Most people with debt have no idea when it ends. You're about to know exactly.
This is for you if…
You have 2 or more debts and aren't sure which to attack first
You're making minimum payments and it feels like the balance never moves
You want to know how much an extra $50 / £30 / €45 per month actually changes things
You've heard of avalanche and snowball methods but don't know which suits you
You want a visual timeline — not a spreadsheet — showing each debt's exact payoff date
Sound familiar?
Most people hit at least three of these before they realise what's missing.
Minimum payments feel infinite.
A $10,000 credit card at 18% interest — paying only the minimum — takes over 30 years and costs more in interest than the original debt. You need to see this number to believe it.
Which debt do I pay first?
Avalanche saves the most money. Snowball builds momentum. Which is right for you depends on your balances, rates, and psychology. You need both scenarios side by side to decide.
Spreadsheets break and get abandoned.
You've tried building a payoff spreadsheet. Either the formulas were too complex to maintain or you stopped updating it after month two. This tool does all the maths — just enter your numbers.
No idea what extra payments actually do.
Adding an extra $300 a month feels small. It might cut 4 years and $8,000 in interest. The impact only makes sense when you see the numbers change in real time.
How it works
Enter your debts
Name, current balance, interest rate, and minimum payment. Add as many as you have — credit cards, personal loans, car payments, all of them.
Set your extra payment
How much extra can you put toward debt each month above all minimums? Even a small amount makes a dramatic difference. The planner shows you exactly how much.
See your debt-free date
Your exact payoff date, total interest paid, interest saved vs minimums, and the month-by-month order each debt disappears — all calculated instantly.
Preview
A sneak peek at the interface. Subscribe to unlock the full interactive tool.
Debt Payoff Planner
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What you get
Included in all subscription plans. Subscribe once, access all 10 products.
Avalanche method — highest interest rate first, minimises total interest paid
Snowball method — lowest balance first, maximises early wins and motivation
Side-by-side comparison — see both strategies simultaneously in one view
Real-time debt-free date — updates live as you adjust any number
Extra payment slider — see exactly how any extra monthly amount changes your timeline
Visual payoff chart — line chart showing total debt shrinking month by month
Per-debt payoff timeline — exact month and year each balance hits zero
Interest savings — total interest vs what you'd pay on minimums only
Works in any currency — RM, $, £, €, S$, A$, or any symbol
Auto-saves — your debts and settings persist across browser sessions
Works offline — no internet needed after loading
Most people with debt have no idea when it ends. You're about to know exactly.
Subscribe and unlock all 11 products — fitness, finance, career, and lifestyle tools — synced across every device.
Subscribe from $9/month →Cancel anytime · All 11 products included · Progress synced
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Frequently asked
Avalanche: pay the highest interest rate debt first — mathematically optimal, you pay the least total interest. Snowball: pay the smallest balance first — psychologically powerful, you get quick wins. This tool shows both so you can choose what fits your situation.
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Included in all plans · From $9/month
Enter your debts. See your debt-free date. Know exactly what to pay first.
Subscribe and access all 11 tools — fitness, finance, career, and lifestyle. Progress synced across every device.
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