Debt snowball — smallest first → Psychological wins build momentum
🏔️
Debt avalanche — highest rate first → Mathematically saves more
💳
0% balance transfer → Stop paying interest entirely
📝 How to Use
1
Enter your values
Fill in the input fields on the left panel with your numbers
2
Review instant results
Charts, tables, and breakdowns update in real-time as you type
3
Compare scenarios
Adjust sliders and inputs to explore different what-if situations
⚡ Early Payoff Strategies
$0
Biweekly Payment
= 1 extra payment/yr
$0
Interest Saved
By paying biweekly
0
Months Earlier
Payoff acceleration
💡 Biweekly trick: Pay half your monthly payment every 2 weeks. You make 26 half-payments = 13 full payments instead of 12. This saves you $0 and pays off 0 months early!