Calculators
Debt Payoff Calculators
Snowball vs. avalanche across up to four cards, with a real payoff schedule you can export — plus other debt types we're adding next. Free, no signup.
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live now
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Debt payoff calculators
Live now — a real month-by-month simulation, not a single-formula estimate.
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This covers every credit-card-specific payoff question we've found real demand for — multi-card snowball vs. avalanche, payoff order, and an exportable schedule, all in one tool.
Other debt types
Credit cards are only one kind of debt — these run on genuinely different rules, launching on a rolling basis.
Soon Student Loan Payoff Calculator
Soon Debt Consolidation Calculator
Soon Personal Loan Payoff Calculator
From the blog
Deep dives to help you get more out of the calculator above.
Debt & Savings
Dave Ramsey's Debt Snowball and Emergency Fund Rule: Do They Actually Work?
The actual peer-reviewed research behind paying off your smallest debt first — and when avalanche really does win.
Read more →Student LoansComing soon
Student Loans vs. Credit Cards: Why "Just Pay Off Debt" Isn't One Strategy
Income-driven repayment, forgiveness programs, and interest subsidies mean student loan payoff math looks nothing like a credit card's.