See when you could be debt-free.
Compare avalanche and snowball strategies using one consistent currency. Results are educational estimates—not lender statements or financial advice.
Use one currency for every debt. Currency selection changes labels only; it does not convert amounts. Estimates use monthly APR ÷ 12 and assume rates and payments stay fixed.
Calculator entries stay in this browser’s local storage. On a shared device, use “Clear my saved data” when finished.
Payoff Path Spreadsheet
The spreadsheet is being built and independently tested. No payment is being accepted yet.
Coming soon — planned price $17 USDHow it works
Enter current balances, APRs, and minimum payments from one recent statement period.
Avalanche targets the highest APR; snowball targets the smallest current balance.
Fees, daily interest, rate changes, promotional periods, and lender rules can change actual results.
Use the plan for education and motivation, then confirm payment details with each lender.
Common questions
Does Payoff Path upload my debt figures?
No. Calculations run locally and entries are stored in your browser. The site host still processes ordinary web requests; see the Privacy Policy.
Which currency should I choose?
Choose the currency used by all debts in this plan. The calculator does not perform exchange-rate conversion.
Is the estimate exact?
No. It uses a simplified monthly model. Actual lender calculations and payoff quotes can differ.