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Build your debt payoff plan

Add your debts and what you can pay each month to see when you'll be debt-free and which debt to pay first. How it works

View Advanced adds fees, insurance, bank rules and balance transfers.

Extra monthly payment

Starting in Amounts in

How extra money is paid Pay debts in the order I set Use the arrows on each debt to set the order. When this is off, the order comes from the strategy chosen in your results. Keep paying the same amount on the debt you're focused on Once extra money starts going to a debt, keep paying that monthly amount until it's gone, even if its minimum drops.

How your banks behave When a bank lowers its minimum, keep paying the old amount The difference is added to your extra payment (in steps of 10), so your monthly total doesn't shrink. Assume minimums never go down Keep each debt's minimum at its first-month amount, even as the balance falls.

The two bank options above can't be combined.

Balance transfers Use unused credit to pay off other debts Lets the plan move money from a card or overdraft with free credit to close another debt, but only when that lowers your required payments.

Your setup stays in your browser while you work. Only the numbers needed for the calculation are sent to the server when you run a simulation.

Your plan will appear here

Add your debts and monthly budget. The plan updates as you type.

Build your debt payoff plan

Your debts

Your monthly budget

Your plan will appear here

Your debt freedom plan

Debt by debt

When each debt will be gone

Total owed over time

Which debt to pay first

Transfers from available credit

One-time payment allocation

One-time payment comparison

Month-by-month payoff timeline