All tools
Which debt dies first?
Your debts. Extra you can pay. The date you're free.
Compare highest-rate-first vs smallest-balance-first payoff plans. See which order frees you sooner and how much interest you save.
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Common questions
What is avalanche vs snowball?
Avalanche pays the highest interest rate first. Snowball pays the smallest balance first. Avalanche usually costs less interest; snowball can feel faster early on.
Do I still pay the other debts?
Yes. You keep minimums on every debt, then put extra toward the target debt in your chosen order.
What if I cannot pay the minimums?
Raise income, cut spend, or talk to lenders. If payments do not cover interest, balances can grow and the tool will show you stay stuck.
Is the math exact for my loans?
It is a clear estimate. Real loans may add fees, variable rates, or different minimum rules.