Step 1 — add your debts
Payday loan
~391% APR
Credit card
~29% APR
Student loan
~6% APR
Medical debt
0–10% APR
Auto loan
~8% APR
Personal loan
~14% APR
Tap a debt type above to get started
Step 2 — choose your strategy
⚡ Avalanche — save the most money
Pay minimums on everything, then throw extra at the highest APR. Mathematically optimal — saves the most total interest.
❄️ Snowball — build momentum
Pay minimums on everything, then attack the smallest balance first. Quick wins keep you motivated.
Step 3 — set your extra monthly payment
Your payoff summary
Payoff order
💡 Could a lower rate cut your timeline?
These tools help people in your situation reduce their interest rate — potentially saving thousands and months of payments.
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Balance over time
Debt payoff guides
PAYDAY LOANS
How to escape a payday loan trap without paying full fees
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CREDIT CARDS
Avalanche vs snowball: which method saves more money?
5 min read →
STUDENT LOANS
Income-driven repayment vs aggressive payoff: a real comparison
8 min read →