Debt Freedom Planner

Debt Snowball & Payoff Calculator

List your debts, add an extra monthly payment, and see how quickly you can become 100% debt-free.

Total Debt

$9,050

Total Monthly Paid

$420

($270 min + $150 extra)

Estimated Time

25 months (2.1 yrs)

Estimated Interest

$1,133

Debt Snowball (Behavior First)

Smallest Balance to Largest

Pay minimums on everything, but funnel all extra cash to your smallest balance. When it disappears, roll that payment into the next smallest. Perfect for rapid psychological momentum!

Recommended if you need quick visual wins to stay motivated.

Debt Avalanche (Math First)

Highest Interest Rate to Lowest

Target the debt with the highest APR (e.g. 26% store card) first. This mathematically minimizes the total interest you pay to banks over the life of your debt.

Recommended if you are analytical and want to save maximum dollars.

Your Debts

Enter your current credit cards, personal loans, or auto loans.

Extra Monthly:$150/mo

Debt Name

Balance ($)

APR (%)

Min ($)

Debt Name

Balance ($)

APR (%)

Min ($)

Debt Name

Balance ($)

APR (%)

Min ($)

Download Printable Debt Worksheet ↓

Free Companion Toolkit

Download the Printable Debt Snowball Tracker

Map out your debts smallest to largest, record monthly payment milestones, and celebrate every paid-off balance offline in your browser.

100% Free & Private Browser-Based Storage Print / PDF Ready

Download Free Worksheet Read Snowball vs Avalanche

Free Starter Kit

Get the Free 5-in-1 Financial Calm Starter Kit

Join 4,000+ mindful savers. Instantly receive our complete offline suite of annual budget spreadsheets, debt snowball trackers, and daily expense logs — 100% free, zero ads, and zero account linking.