05 · FINLive✦ AI
Pick the payoff plan that gets you out faster.
Enter your debts and see avalanche versus snowball side by side, with your exact debt-free date for each.
Avalanche vs snowball compared. See the exact months and interest each plan saves.
Free · Every tool unlocked · No card
List your debts. Pick a method. See the date.
Avalanche (highest APR) or snowball (smallest balance). Auto-computes interest saved + payoff date.
§ How it works
01Enter your debts
Name, current balance, interest rate, and minimum payment. Add as many as you have: credit cards, personal loans, car payments, all of them.
02Set your extra payment
How much extra can you put toward debt each month above all minimums? Even a small amount makes a dramatic difference. The planner shows you exactly how much.
03See your debt-free date
Your exact payoff date, total interest paid, interest saved vs minimums, and the month-by-month order each debt disappears: all calculated instantly.
Most people pick snowball because a podcast told them to. The math might say otherwise.
§ Related tools · these read this one, and this one reads them
06 · FIN
Net Worth + FIRE Planner
Know your number, when you hit it, what changes if you save more, when you can coast, and whether debt comes first. 4 AI actions, one snapshot.
Open →§ Try it yourself · no signup, just play
Use Debt Payoff Planner right here. No signup, no card.
Like it? Save your work and get the AI Coach.
Sign up free§ Frequently asked
What can the AI coach actually do?
Four named actions. (1) Avalanche or snowball for me: it reads your debts and recommends one, naming the spread of APRs. (2) Which debt first: names the exact debt by name, gives you the monthly attack number, and suggests where the extra payment realistically comes from. (3) What if I find more: shows months saved at +$50, +$100, +$250 above your current extra. (4) Full payoff plan: a 4-section brief with your situation, strategy verdict, top 3 moves, and quick win today. Every answer is grounded in your actual debt list, not generic advice.
What's the difference between avalanche and snowball?
Avalanche: pay the highest interest rate debt first: mathematically optimal, you pay the least total interest. Snowball: pay the smallest balance first: easier to stick with, you get quick wins. This tool shows both so you can choose what fits your situation, and the AI coach recommends ONE based on your actual debts.
How accurate is the debt-free date?
Very accurate for fixed-rate debts (personal loans, car loans). For variable-rate debts like credit cards, it assumes your current rate stays constant. The planner runs a full month-by-month simulation including compound interest: the same maths your lender uses.
Can I use this for credit cards, car loans, and personal loans together?
Yes: add up to 8 debts of any type. Each gets its own balance, rate, and minimum payment. The planner handles them all in one consolidated payoff plan.
What if I can't afford any extra payment right now?
Set extra payment to zero. The planner shows you exactly how long it takes on minimums only and the total interest cost. That number alone is usually motivation enough to find even a small extra amount.
Will my data be saved?
Yes: everything saves automatically to your browser. Come back tomorrow and your debts are exactly as you left them. Blacknave subscribers also get cross-device sync.
Can I share this with my partner?
Yes. The tool runs in any browser on any device. Progress syncs across devices when you're signed in to your subscription.