Debt Payoff What-If PlannerMicromedia Digital

See the month you'll be debt-free

Add each debt once. You get your debt-free date, what it costs in interest, and how much sooner each extra dollar gets you there. Everything stays on this device.

Your answer

Your debt-free date

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What if you paid more each month?

Move the slider to see the new date and the interest you'd save.

An estimate based on the numbers you enter, fixed rates and on-time payments. Not financial advice.

Your debts

Your monthly plan

The first month you make a payment under this plan. Use an earlier month if you want to log payments you've already made.

Compare strategies

Payoff timeline

Month-by-month schedule

Show the schedule

Progress log

Record what you actually paid. The plan re-forecasts from there. A month with no entry counts as the minimum paid on time.

How to use it (30 seconds)

  1. Add each debt: its balance, APR and minimum payment. You can change any debt at any time, and add as many as you have.
  2. Enter the total you can pay each month. Pick a strategy: snowball (smallest balance first), avalanche (highest APR first) or your own order. Your debt-free date updates as you type.
  3. Drag the extra-per-month slider to see how much sooner you finish and how much interest you save.
  4. Log what you actually pay each month. The plan re-forecasts from there.
  5. Everything saves on this device. Use Export for a backup file, and Import to load it on another device.

Clear everything?

This removes every debt, your budget and your progress log from this device. Export a backup first if you want to keep a copy.