Kill your debt in the right order.

List what you owe, add whatever extra you can pay each month, and this builds the fastest, cheapest way out — with every payoff date and the total you’ll save.

How to use it

• Add each debt with its balance, interest rate (APR) and minimum payment. Use + Add a debt for more, or the ✕ to remove one.
• Set your extra payment — the amount, on top of every minimum, you can throw at your debt each month. This is the engine of the whole plan.
• Add a one-time lump sum if you have a windfall coming (a tax refund or bonus). It’s applied right now to your top-priority debt.
• Pick a method: Cheapest attacks the highest interest rate first (least total interest), or Quickest clears the smallest balance first (a faster first win).

What you get

• Debt-free date and the total interest you’ll pay.
• A payoff order table: which debt to hit first (marked Focus), and each one’s payoff date, interest and total paid.
• What you save versus paying only the minimums — in both dollars and months.
• A balance-over-time chart comparing your plan to the minimums-only path.

How it works

• You pay every minimum, and your extra (plus any lump sum) goes to the top-priority debt.
• As each debt is cleared, its old payment rolls onto the next one — the freed-up money compounds forward, so the total you send each month never drops until you’re debt-free.
• If a debt’s minimum doesn’t even cover its interest, that balance grows forever at the minimum — those are flagged with a ⚠.

Tips

• Don’t stop paying a minimum on any debt until it’s actually gone — let the freed-up money roll to the next.
• Cheapest is the mathematically better choice; choose Quickest only if you need the motivation of clearing a whole balance sooner.
• Confirm every balance, rate and minimum against your statements — small rate differences change the order.

Good to know

This is planning guidance, not financial advice. The figures are estimates that assume your rates and payments hold steady; your real results will vary.