Debt Payoff Plan
Pick a payoff worksheet below. Each runs in your browser with up to twelve debts, compares strategies where noted, and downloads a month-by-month PDF or CSV without uploading balances.
Worked example
Worked example: you owe a $6,200 rewards card at 24.99%, a $2,100 store card at 29.99%, and a $9,400 car loan at 7.1%. You can pay $500 beyond minimums. Open the debt payoff calculator to compare avalanche versus snowball on the same three lines. Open the debt snowball calculator when you already chose smallest-balance-first and only need that schedule printed.
Debt payoff FAQs
- Which calculator should I open first?
- Start with the debt payoff calculator when you still want side-by-side interest and timeline numbers. Open the snowball calculator when motivation matters more than shaving the last dollar of interest.
- Do these tools store my card numbers?
- No. Balances and labels stay in your browser tab until you download a PDF or CSV. Share links never include dollar amounts.
- Can I print a plan for my credit union counselor?
- Yes. Each worksheet downloads a month-by-month table. Bring the comparison page if you want to discuss avalanche versus snowball with a human advisor.
Payoff calculators
Pay off loans & debt
Amortization Schedule
Full loan amortization schedule with extra payments. Download a printable PDF or CSV. Your loan figures never leave your browser.
Refinance Break-Even Calculator
Compare monthly payments, break-even month, and lifetime interest when refinancing. Download a printable PDF or CSV.
PMI Removal Calculator
See when you may request PMI cancellation and when automatic termination applies. Download a printable PDF with cancellation checklist.