A clearer path to debt-free.
Compare payoff strategies, see what extra payments change, and build a plan that works for you.
Sample debts
Three example debts with $100 extra a month, paying the highest rate first.
18% APR · $300 minimum$10,000
6.5% APR · $260 minimum$8,500
11% APR · $150 minimum$3,200
See your path forward
Sample planHere’s what $100 extra each month could do for these debts.
Start with the question on your mind
Small questions, clearer next steps. Each calculator takes a minute and shows its assumptions.
What if I pay extra?
See how additional payments change your payoff date.
Open calculatorCredit card payoff
Estimate your timeline and total interest.
Open calculatorSnowball or avalanche?
Compare strategies using your own debts.
Open calculatorWhen will I be debt-free?
Find the payment needed for your target timeline.
Open calculatorYour plan. Your pace.
Add your debts, compare strategies, and record your balances each month to see how far you’ve come.
Explore my progressA monthly check-in
Keep your latest balances and a history of your progress in one place.
Illustrative progress previewMake room for your next move
See what a home could cost each month, and how your existing debt affects your budget.
Practical guides for your next step
Snowball vs. avalanche
Compare two popular strategies for paying off debt and find out which might fit your situation best.
Read the guideMaking extra payments
Learn how extra payments work, where they go, and simple ways to make them part of your plan.
Read the guidePlanning your debt-free date
Get practical tips to set a realistic timeline, stay motivated, and adjust your plan as life changes.
Read the guideYou don’t need a perfect plan to start.
A few details can give you a direction forward.
Create my payoff plan