Debt Payoff Planner

Visualize your path to financial freedom

Extra Monthly Payment$200
Total Debt

$29,500

4 accounts

Monthly Payment

$925

$725 min + $200 extra

Est. Payoff

38 mo

Avalanche method

Interest Saved

$4,820

vs. minimum payments

Payoff Strategy:Pay highest interest first — saves the most money

Payoff Projection

Debt-free in 54 monthsavalanche strategy

Stacked balance projection across all accounts

Chase Credit Card
Capital One Card
Medical Bill
Personal Loan

avalanche Order

Highest interest rate attacked first

1

Chase Credit Card

$8,400

24.99% APR$210/mo min
2

Capital One Card

$5,200

19.99% APR$130/mo min
3

Personal Loan

$12,800

14.5% APR$285/mo min
4

Medical Bill

$3,100

No interest$100/mo min

🔥 Avalanche Advantage

Mathematically optimal — minimizes total interest paid over the life of your debt.

Monthly Schedule

First 24 months of payment breakdown

54 months total
MonthPaymentPrincipalInterestBalance
M1$925$509$416$28,991
M2$925$516$409$28,475
M3$925$523$402$27,952
M4$925$531$394$27,421
M5$925$538$387$26,883
M6$925$546$379$26,337
M7$925$554$371$25,783
M8$925$562$363$25,221
M9$925$570$355$24,651
M10$925$579$346$24,072
M11$925$587$338$23,485
M12$925$596$329$22,889
M13$925$604$321$22,285
M14$925$613$312$21,671
M15$925$623$302$21,049
M16$925$632$293$20,417
M17$925$641$284$19,776
M18$925$651$274$19,125
M19$925$661$264$18,464
M20$925$671$254$17,793
M21$925$681$244$17,112
M22$925$691$234$16,420
M23$925$702$223$15,718
M24$925$713$212$15,005

Showing 24 of 54 months · Increase extra payment to shorten timeline