Debt Payoff What-If Planner
See the month you'll be debt-free, and how much sooner each extra dollar gets you there.
Add every card and loan once. Compare snowball, avalanche and your own order side by side, drag a slider to see what an extra $50 a month does, and log real payments so the plan re-forecasts. One file that works offline on your phone. No lock, no subscription.
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One-time purchase, no subscription. Download link by email. Refund within 14 days if it doesn't help.
An estimate based on the numbers you enter, fixed rates and on-time payments. Not financial advice.
Debt Payoff What-If Planner
Highest rate first, $150 extra a month
December 2028
All three debts paid off
Try it here
This is the demo build with sample numbers. Saving and export are switched off.
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What you get
- Unlimited debts, each editable on its own: balance, APR, minimum, an optional start month, an optional 0% promo end, and an extra payment just for that debt
- Snowball, avalanche and custom order compared side by side: debt-free month, total interest and months
- A what-if slider that shows the new date and the interest you'd save for every extra dollar a month
- A progress log: record what you actually paid and the plan re-forecasts from your real balances
- Warns you by name when a minimum payment doesn't even cover the interest, and shows what you'd need to pay
Who it's for
People with a few credit cards or loans (roughly $5,000 to $40,000 in total) who want one clear plan and a date, not another spreadsheet that fights back. Works for one earner or a couple sharing a budget.
Questions
Is this financial advice?
No. It is an estimate based on the numbers you enter, fixed rates and on-time payments. It doesn't recommend lenders, consolidation or any financial product, and it can't promise an outcome.
Does it work offline, and is my data private?
Yes. It is a single file you download and open in your browser. Nothing is sent anywhere. Your numbers are saved on your own device only.
Can I give one debt extra money, and add a debt that starts later?
Yes. Every debt has its own optional extra amount, an optional start month for debts that begin later, and an optional 0% promo end month. Each debt can be edited on its own at any time.
How do I keep a backup or move it to my phone?
Use Export to save a backup file, then open the planner on the other device and use Import to load it. Your debts, budget and progress log come across exactly.
How does it work out the dates?
Each month it adds interest at the APR divided by 12, pays every minimum, then sends the rest of your monthly budget to the debt the strategy targets. When a debt is cleared, its minimum rolls into the next one. Real lenders may calculate interest slightly differently, so treat dates as close estimates.
Does it work on my phone?
Yes. Each tool is a single file that opens in the browser on any iPhone, Android phone, tablet or computer. There's no app to install.
Where do my numbers go?
Nowhere. Everything you type stays on your own device. The tools work offline and never send your data anywhere.
Is there a subscription?
No. You pay once and keep the file. Fixes to the version you bought are free.
Pay once,
$17
You get the file, free fixes to version 1.0.0, and your money back within 14 days if it doesn't help.
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