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The debt payoff planner
Snowball or avalanche, a what-if extra payment, and the interest saved — the road out, drawn in numbers.
Last updated July 31, 202601
Give debts their numbers
Add APR and minimum payment to each debt account and the Debt tab comes alive: total owed, and a payoff plan built from your actual balances.
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Snowball vs. avalanche
Two strategies, compared side by side: Snowball clears the smallest balance first (momentum), Avalanche attacks the highest APR first (math). PES shows the interest saved by each so you choose with open eyes — the best plan is the one you’ll actually run.
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The what-if
Slide an Extra payment into the plan and watch the payoff date move. Fifty dollars a month is an abstraction; “debt-free eight months sooner” is a decision.