Debt Payoff Planner

Optimize your debt payoff with avalanche or snowball methods

Total Debt

$38,545.67

Across 3 accounts

Monthly Minimum

$645.00

Required payments

Average Rate

10.1%

Weighted average APR

Debt-Free Date

Oct 2029

With $200.00 extra/mo

Choose Your Payoff Strategy

Select the method that works best for your situation

Avalanche Method

Pay off debts with the highest interest rate first. This method saves you the most money in interest over time.

$3,842

Interest Saved

38 mo

Time to Debt-Free

Your Payoff Order

Ordered by interest rate (highest first)

Avalanche

Travel Rewards Card

American Express • Credit Card

$1,245.67

19.99% APR • $35.00/mo min

Focus your extra payments here

Student Loan

Navient • Student Loan

$24,500.00

5.5% APR • $285.00/mo min

Auto Loan

Capital One Auto • Auto Loan

$12,800.00

4.9% APR • $325.00/mo min

Projected Payoff Timeline

Based on $845.00/month total payment

Today

$38,545.67

Year 1

$26,981.97

Year 2

$13,490.98

Debt Free!

7 mo

Credit Card Paid Off

First Win!

18 mo

Auto Loan Paid Off

38 mo

Completely Debt Free!

Goal

AI Optimization Tips

Balance Transfer Opportunity

Move your credit card balance to a 0% APR card and save $142 in interest.

Refinance Your Auto Loan

Current rates are lower than your 4.9%. You could save $45/month.

Student Loan Forgiveness

You may qualify for Public Service Loan Forgiveness. Let's check.

Extra Payment Impact

Adding just $100/month more would make you debt-free 8 months sooner.