The Financial Reset
The Debt Payoff Plan
A free debt snowball calculator: list your debts, choose your path, and see your debt-free date — with a step-by-step payoff plan, one win at a time.
Step 1 — List Your Debts
Name of Debt / Card
Total Balance
Min. Monthly Payment
APR %
Step 2 — Your Monthly Debt Budget
$
Step 3 — Choose Your Strategy
Debt Snowball
Our Recommended Path
Smallest balance first. Quick early wins build the momentum that keeps you going — and momentum is what actually finishes plans.
Debt Avalanche
Least Interest Paid
Highest interest rate first. Mathematically the cheapest path — your results will show you exactly how the two compare.
Your Estimated Debt-Free Date
Where Every Dollar Goes
Your Plan, Debt by Debt
Your Growing Snowball
Your Balance, Falling
Total debt balance over time
Month-by-Month Payment Schedule
Give your monthly debt payment a home in your budget → The Budget Builder
Estimated payoff timeline. The Debt Payoff Plan is an educational planning tool — not financial advice and not a guarantee. It assumes no new balances are added, and that minimum payments and interest rates stay the same. Actual results may vary based on interest, fees, payment changes, creditor terms and other factors.
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