Debt tools
Should I use the snowball or avalanche method?
List everything you owe, then add whatever you can put toward it beyond the minimums. We'll run both payoff methods — smallest balance first, or highest rate first — and show what each one costs.
What you owe
YOUR DEBTSOn top of all the minimums. This is the number that does the work.
Add at least one debt with a balance and a minimum payment to compare payoff strategies.
All four happen in your browser. Your figures are not sent anywhere — the email opens in your own mail app, already filled in.
Related calculators
What's my blended rate?
Weight every rate by its balance, and see which debts the interest really comes from.
Should I refinance to pay off debt?
Roll high-rate debts into a new mortgage and see the blended rate, the monthly saving, and what it costs over the full term.
Should I use a HELOC to pay off debt?
Trade a high rate for a lower one — and see the payment jump when the draw period ends.
Should I pay off a debt or invest?
Compare the guaranteed return of paying down debt against investing the same money.