Debt Payoff Simulator — Compare Strategies & Track Progress

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Compare snowball, avalanche, hybrid, and custom strategies
Monthly amortization schedule for every debt
Win metrics — interest saved, debts eliminated, streaks
Track actual payments with principal vs. interest split
Import debts directly from your Expense Audit
Earn achievement badges as you eliminate debts

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Compare Four Payoff Strategies Instantly

Enter your debts once and see months to payoff, total interest, and savings — for every strategy side by side.

Snowball

Smallest balance first

42 mo

$34,200 interest

Quick wins build momentum

Avalanche

Highest rate first

40 mo

$31,800 interest

Save $2,400 in interest

Hybrid

Balanced approach

41 mo

$32,900 interest

Best of both worlds

Custom

Your order

— mo

— interest

You decide the priority

Win Metrics

Watch Your Debts Disappear

Monthly check-ins keep you accountable. Log payments, see your principal vs. interest split, and celebrate as debts get eliminated one by one.

Progress ring shows overall payoff percentage
Running totals for amount paid and interest saved
Track debts eliminated and monthly streak
Monthly check-in prompts to log payments

Start Tracking

Win Metrics

68%

paid off

$24,500

Total Paid

$8,200

Interest Saved

Debts Eliminated

6 mo

Check-in Streak

Recent Payments

Credit Card

$450

$380 principal · $70 interest

Car Loan

$325

$290 principal · $35 interest

Payoff Timeline

Debt-free by March 2028

Credit Card

$4,200 · 22.9% APR

Month 14

Car Loan

$12,800 · 5.9% APR

Month 28

Student Loan

$18,500 · 4.5% APR

Month 40

Today Month 14 Month 28 Month 40

Timeline

See Exactly When Each Debt Pays Off

A visual timeline shows every debt with its payoff date, month by month. Know exactly when the credit card, car loan, and student loan each hit zero — and when you're completely debt-free.

Horizontal timeline with payoff markers per debt
Month-by-month amortization schedule
Debt-free date calculated automatically
See how extra payments shift the entire timeline

Pick a strategy. Track your progress. Become debt-free.

Strategies

Monthly

Tracking

Interest

Savings Calculated

Badges

Achievements

Frequently Asked Questions

Avalanche saves the most money by targeting the highest interest rate first. Snowball gives the fastest emotional wins by eliminating the smallest balance first. Hybrid balances both. There's no wrong answer — the best strategy is the one you'll stick with.

Yes. If you've already completed the Expense Audit, your debt categories import directly into the Debt Payoff Simulator — no re-entry needed.

No penalty. Just pick up where you left off. Balances adjust based on your logged payments, and the timeline recalculates automatically.

Yes. Log payments monthly and the tool tracks your actual principal vs. interest split. You'll see exactly how much of each payment goes toward reducing your balance.

Badges for getting started, consecutive monthly check-ins, eliminating individual debts, and completing your entire payoff plan. Each milestone earns community points.

Ready to see your debt-free date?

Enter your debts, compare strategies, and start tracking your progress today.

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