A Money Ladder tool

The Payoff Calculator

Pick avalanche, snowball, or minimum payments; see exactly when you're debt-free.

Step 1

Your debts

Pull these straight from your Bill Map.

"% of balance" and "% + interest" use whatever your statement currently shows as the balance, recalculated every month, same as how most card issuers actually set your minimum. Both have a $25/mo floor, matching typical issuer minimums.

$
On top of everyone's minimums.

Step 2

How do you want to pay it off?

Same debts, same extra payment, just a different order. Try all three.

Total balance over time

Each band is one debt; watch them clear and the freed-up payment roll into the next.