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Debt Repayment Planner

Add your loans, pick a payoff strategy, and see exactly when each loan gets paid off and how much interest you save by putting extra money toward your debt.

This is a planning tool, not financial advice. Results are projections based on the numbers you enter. They do not account for missed payments, penalty fees, rate changes, or compounding differences between lenders. Delaying or restructuring loan payments carries real financial and legal risk. Always confirm any changes to your payment schedule directly with your lender. You bear full responsibility for your repayment decisions.
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Your Income

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Your Loans

Strategy applies

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Payoff Strategy

Fill in at least the balance and monthly payment for one loan to see the projection.

How It Works

  1. 1

    Add each of your loans with the outstanding balance, monthly payment, and interest rate.

  2. 2

    Pick a payoff strategy: Avalanche (highest interest first), Snowball (smallest balance first), or Custom (your own order).

  3. 3

    Set your total monthly budget for debt payments.

  4. 4

    The planner simulates month-by-month payoff and shows when each loan is cleared.

  5. 5

    See the total interest paid under each strategy and how much extra you save.

  6. 6

    Use the payment calendar to see exactly which payments fall on which dates.

Frequently Asked Questions

The avalanche method directs extra payments toward the loan with the highest interest rate first, while paying the minimum on all others. Once the highest-rate loan is paid off, you roll that payment to the next highest. Mathematically, this saves the most money in total interest.