A debt payoff planner that shows your debt-free date
Put in your debts and their monthly payments. Choose snowball or avalanche, add an extra amount if you have one, and see an estimated debt-free date, the total interest, and the order each debt gets paid off.
The Debt Payoff Planner is on the Free plan. No card, no bank connection.
The planner
Snowball or avalanche, with your own numbers.
Each method shows its debt-free date and total interest, and the cheaper one is marked. Add an extra amount and the plan redraws.
Try the planner in the live demoPay the highest interest rate first. Minimizes total interest paid.
Debt-free
Apr 2031
Interest
$14,200
Pay the smallest balance first. Quick wins keep you motivated.
Debt-free
Aug 2031
Interest
$16,900
Extra toward debt each month
Balance over time
Adding $250 a month clears the last balance 3 years and 4 months sooner and saves $8,100 in interest.
How the debt payoff planner works
It uses the debts and bills you already track in Beyond Payday, so there is no separate list to keep up.
- Step 1
Add your debts
Credit cards, student loans, a car loan, a mortgage — each with its balance and interest rate.
- Step 2
Link each payment
The monthly payment comes from the bill you link to the debt. A debt with no linked payment is left out until you link one.
- Step 3
Pick a method
Avalanche pays the highest interest rate first. Snowball pays the smallest balance first. Switch any time and both stay visible.
- Step 4
Try an extra amount
Add an extra monthly amount and watch the debt-free date and total interest change.
When a debt is paid off, its monthly payment moves to the next debt on the list, on top of any extra you added. That rolling payment is what makes snowball and avalanche give different results.
Debt snowball or debt avalanche?
Both methods pay every debt its monthly payment. They differ only in where the extra money goes first.
Debt avalanche
Highest interest rate first
The extra money goes to the debt with the highest rate. With the same payments, this order usually adds up to the least interest.
Debt snowball
Smallest balance first
The extra money goes to the smallest balance. The first debt is often gone sooner, which some people find easier to stick with.
Which one fits is your call. The planner shows the date and interest for each so the trade-off is in dollars and months, not a rule of thumb.
What the plan assumes
A payoff date is an estimate. Here is what it is built on.
Rates stay the same
Interest is worked out each month from the rate you enter, and that rate is held fixed. A promo rate that ends or a variable rate that moves will change the real result.
No new charges
The plan assumes the balances only go down. New card spending is not in the projection until you update the balance.
You keep the numbers current
There is no bank connection, so balances do not update on their own. When you make a payment, you update the balance and the plan redraws.
Run the numbers without an account
Two free calculators work in your browser with no signup.
Frequently asked questions
- Is the debt payoff planner free?
- Yes. The Debt Payoff Planner is on the Free plan, with no card needed. Pro adds retirement planning, business tracking and the AI assistant.
- Can I use it as a debt snowball app?
- Yes. Choose Snowball and the planner puts your smallest balance first. When that debt is paid off, its payment moves to the next one on the list. You can switch to Avalanche at any time to compare.
- What is the difference between debt avalanche and debt snowball?
- Avalanche puts extra money toward the highest interest rate first. Snowball puts it toward the smallest balance first. The planner shows the debt-free date and total interest for each, so you can see the difference with your own numbers.
- How does it show interest saved?
- When you add an extra monthly amount, the planner compares the plan with paying only your linked monthly payments and shows how many months sooner you would be debt-free and how much interest you would save. These are estimates, not guarantees.
- Why is one of my debts missing from the plan?
- The planner takes each debt’s monthly payment from its linked bill. A debt with no linked payment is left out, and the planner asks you to link one on the Bills page.
- Can I track my payoff progress over time?
- Yes. Update a balance after each payment and the plan redraws. You can also set a free debt-payoff goal linked to a debt, which follows that debt’s balance down.
- Can I try it without signing up?
- Yes. The live demo shows the planner with sample households, and the free Avalanche vs snowball calculator and Loan Payoff Calculator work without an account.
More detail: making a debt payoff plan and adding a debt.
Weighing your options? Read our debt payoff guides.
The Debt Payoff Planner is for informational purposes only and is not personalized financial advice. Beyond Payday is not a financial advisor. Payoff dates, interest totals and savings are estimates based on the balances, rates and payments you enter, not guarantees; real results depend on your lenders' terms, rate changes, fees and new charges.
Put a date on your debt-free day
Start on the Free plan. The Debt Payoff Planner is included, with no card and no bank connection.