Debt Payoff Planner

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Compare snowball (smallest balance first) and avalanche (highest interest first). Enter up to two debts for this simple version; total the rest in the second row if needed.

Debt 1 balance Debt 1 APR % Debt 2 balance Debt 2 APR % Extra payment per month

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Assumptions and formula

Monthly interest = Balance × (APR ÷ 100 ÷ 12). Each month, interest is added, then the extra payment is applied to debts in order. Minimum payments are not modelled separately in this simple version — include them in your extra payment figure if you want a closer estimate.

Important: This is an estimate for planning only. It is not personal financial, medical, or investment advice. Check your own figures, and for infants or medical needs, check with a doctor.