PayoffLane · A clearer route out of debt.
Edit the sample debts, then compare minimum payments, Snowball, and Avalanche payoff estimates with your own balances—without an account.
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Snowball: debt-free by August 2029, $3,235.76 interest. See summary and extra payment
These editable examples are illustrative, not lender quotes.
No interest accrues during these initial months; your configured minimum is still due.
Required payment is accrued interest, not a payment holiday. This model assumes voluntary extra payments may still reduce principal during this period.
Required payments still apply. This is your assumption; the model does not infer a prepayment penalty.
No interest accrues during these initial months; your configured minimum is still due.
Required payment is accrued interest, not a payment holiday. This model assumes voluntary extra payments may still reduce principal during this period.
Required payments still apply. This is your assumption; the model does not infer a prepayment penalty.
No interest accrues during these initial months; your configured minimum is still due.
Required payment is accrued interest, not a payment holiday. This model assumes voluntary extra payments may still reduce principal during this period.
Required payments still apply. This is your assumption; the model does not infer a prepayment penalty.
This step collects the details needed for a payoff estimate. Review your lender's terms for exact interest and payment rules.
Estimates use monthly interest, fixed minimums, and an extra payment applied after minimums. Results update as you edit your debts or payment amount.
Payoff months are projected from December 2026, the month after today's date in your browser. Estimates use the same fixed monthly budget for Snowball and Avalanche; actual lender terms and payment timing may differ.
Month-end balance across all debts, starting from your original total. The selected strategy is drawn thicker.
This optional illustration invests the unused portion of the same monthly budget for each scenario through the minimum-payments-only payoff month (month 67). It assumes no starting investment.
Enter 0% to 15%, with up to 2 decimal places. The monthly rate is the annual nominal rate divided by 12.
Hypothetical and not guaranteed. Before taxes, fees, inflation, or market variability. Contributions are added at month-end after growth on earlier contributions. Interest differences and portfolio differences are alternative views of the same budget; do not add them together.
Reference scenario.
$2,437.66 higher hypothetical portfolio balance than minimum payments only.
$2,745.46 higher hypothetical portfolio balance than minimum payments only.
Every payment, interest charge and balance for Snowball. Download all rows as a CSV, or browse them in the table.
The CSV is generated and downloaded in this browser (UTF-8 without BOM). Columns, in order: month, debt, strategy, opening_balance, interest, principal, payment, ending_balance. Currency values use two decimal places. Debt names beginning with spreadsheet formula characters are prefixed with an apostrophe to prevent execution when opened in spreadsheet software.
| Month | Debt | Opening | Interest | Principal | Payment | Ending balance |
|---|---|---|---|---|---|---|
| December 2026 | Personal loan | $3,200.00 | $36.00 | $274.00 | $310.00 | $2,926.00 |
| December 2026 | Credit card | $4,800.00 | $87.96 | $37.04 | $125.00 | $4,762.96 |
| December 2026 | Car loan | $11,200.00 | $73.73 | $186.27 | $260.00 | $11,013.73 |
| January 2027 | Personal loan | $2,926.00 | $32.92 | $277.08 | $310.00 | $2,648.92 |
| January 2027 | Credit card | $4,762.96 | $87.28 | $37.72 | $125.00 | $4,725.24 |
| January 2027 | Car loan | $11,013.73 | $72.51 | $187.49 | $260.00 | $10,826.24 |
| February 2027 | Personal loan | $2,648.92 | $29.80 | $280.20 | $310.00 | $2,368.72 |
| February 2027 | Credit card | $4,725.24 | $86.59 | $38.41 | $125.00 | $4,686.83 |
| February 2027 | Car loan | $10,826.24 | $71.27 | $188.73 | $260.00 | $10,637.51 |
| March 2027 | Personal loan | $2,368.72 | $26.65 | $283.35 | $310.00 | $2,085.37 |
| March 2027 | Credit card | $4,686.83 | $85.89 | $39.11 | $125.00 | $4,647.72 |
| March 2027 | Car loan | $10,637.51 | $70.03 | $189.97 | $260.00 | $10,447.54 |
| April 2027 | Personal loan | $2,085.37 | $23.46 | $286.54 | $310.00 | $1,798.83 |
| April 2027 | Credit card | $4,647.72 | $85.17 | $39.83 | $125.00 | $4,607.89 |
| April 2027 | Car loan | $10,447.54 | $68.78 | $191.22 | $260.00 | $10,256.32 |
| May 2027 | Personal loan | $1,798.83 | $20.24 | $289.76 | $310.00 | $1,509.07 |
| May 2027 | Credit card | $4,607.89 | $84.44 | $40.56 | $125.00 | $4,567.33 |
| May 2027 | Car loan | $10,256.32 | $67.52 | $192.48 | $260.00 | $10,063.84 |
| June 2027 | Personal loan | $1,509.07 | $16.98 | $293.02 | $310.00 | $1,216.05 |
| June 2027 | Credit card | $4,567.33 | $83.70 | $41.30 | $125.00 | $4,526.03 |
| June 2027 | Car loan | $10,063.84 | $66.25 | $193.75 | $260.00 | $9,870.09 |
| July 2027 | Personal loan | $1,216.05 | $13.68 | $296.32 | $310.00 | $919.73 |
| July 2027 | Credit card | $4,526.03 | $82.94 | $42.06 | $125.00 | $4,483.97 |
| July 2027 | Car loan | $9,870.09 | $64.98 | $195.02 | $260.00 | $9,675.07 |
| August 2027 | Personal loan | $919.73 | $10.35 | $299.65 | $310.00 | $620.08 |
| August 2027 | Credit card | $4,483.97 | $82.17 | $42.83 | $125.00 | $4,441.14 |
| August 2027 | Car loan | $9,675.07 | $63.69 | $196.31 | $260.00 | $9,478.76 |
| September 2027 | Personal loan | $620.08 | $6.98 | $303.02 | $310.00 | $317.06 |
| September 2027 | Credit card | $4,441.14 | $81.38 | $43.62 | $125.00 | $4,397.52 |
| September 2027 | Car loan | $9,478.76 | $62.40 | $197.60 | $260.00 | $9,281.16 |
| October 2027 | Personal loan | $317.06 | $3.57 | $306.43 | $310.00 | $10.63 |
| October 2027 | Credit card | $4,397.52 | $80.58 | $44.42 | $125.00 | $4,353.10 |
| October 2027 | Car loan | $9,281.16 | $61.10 | $198.90 | $260.00 | $9,082.26 |
| November 2027 | Personal loan | $10.63 | $0.12 | $10.63 | $10.75 | $0.00 |
| November 2027 | Credit card | $4,353.10 | $79.77 | $344.48 | $424.25 | $4,008.62 |
| November 2027 | Car loan | $9,082.26 | $59.79 | $200.21 | $260.00 | $8,882.05 |
| December 2027 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| December 2027 | Credit card | $4,008.62 | $73.46 | $361.54 | $435.00 | $3,647.08 |
| December 2027 | Car loan | $8,882.05 | $58.47 | $201.53 | $260.00 | $8,680.52 |
| January 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| January 2028 | Credit card | $3,647.08 | $66.83 | $368.17 | $435.00 | $3,278.91 |
| January 2028 | Car loan | $8,680.52 | $57.15 | $202.85 | $260.00 | $8,477.67 |
| February 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| February 2028 | Credit card | $3,278.91 | $60.09 | $374.91 | $435.00 | $2,904.00 |
| February 2028 | Car loan | $8,477.67 | $55.81 | $204.19 | $260.00 | $8,273.48 |
| March 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| March 2028 | Credit card | $2,904.00 | $53.22 | $381.78 | $435.00 | $2,522.22 |
| March 2028 | Car loan | $8,273.48 | $54.47 | $205.53 | $260.00 | $8,067.95 |
| April 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| April 2028 | Credit card | $2,522.22 | $46.22 | $388.78 | $435.00 | $2,133.44 |
| April 2028 | Car loan | $8,067.95 | $53.11 | $206.89 | $260.00 | $7,861.06 |
| May 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| May 2028 | Credit card | $2,133.44 | $39.10 | $395.90 | $435.00 | $1,737.54 |
| May 2028 | Car loan | $7,861.06 | $51.75 | $208.25 | $260.00 | $7,652.81 |
| June 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| June 2028 | Credit card | $1,737.54 | $31.84 | $403.16 | $435.00 | $1,334.38 |
| June 2028 | Car loan | $7,652.81 | $50.38 | $209.62 | $260.00 | $7,443.19 |
| July 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| July 2028 | Credit card | $1,334.38 | $24.45 | $410.55 | $435.00 | $923.83 |
| July 2028 | Car loan | $7,443.19 | $49.00 | $211.00 | $260.00 | $7,232.19 |
| August 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| August 2028 | Credit card | $923.83 | $16.93 | $418.07 | $435.00 | $505.76 |
| August 2028 | Car loan | $7,232.19 | $47.61 | $212.39 | $260.00 | $7,019.80 |
| September 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| September 2028 | Credit card | $505.76 | $9.27 | $425.73 | $435.00 | $80.03 |
| September 2028 | Car loan | $7,019.80 | $46.21 | $213.79 | $260.00 | $6,806.01 |
| October 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| October 2028 | Credit card | $80.03 | $1.47 | $80.03 | $81.50 | $0.00 |
| October 2028 | Car loan | $6,806.01 | $44.81 | $568.69 | $613.50 | $6,237.32 |
| November 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| November 2028 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| November 2028 | Car loan | $6,237.32 | $41.06 | $653.94 | $695.00 | $5,583.38 |
| December 2028 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| December 2028 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| December 2028 | Car loan | $5,583.38 | $36.76 | $658.24 | $695.00 | $4,925.14 |
| January 2029 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| January 2029 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| January 2029 | Car loan | $4,925.14 | $32.42 | $662.58 | $695.00 | $4,262.56 |
| February 2029 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| February 2029 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| February 2029 | Car loan | $4,262.56 | $28.06 | $666.94 | $695.00 | $3,595.62 |
| March 2029 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| March 2029 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| March 2029 | Car loan | $3,595.62 | $23.67 | $671.33 | $695.00 | $2,924.29 |
| April 2029 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| April 2029 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| April 2029 | Car loan | $2,924.29 | $19.25 | $675.75 | $695.00 | $2,248.54 |
| May 2029 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| May 2029 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| May 2029 | Car loan | $2,248.54 | $14.80 | $680.20 | $695.00 | $1,568.34 |
| June 2029 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| June 2029 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| June 2029 | Car loan | $1,568.34 | $10.32 | $684.68 | $695.00 | $883.66 |
| July 2029 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| July 2029 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| July 2029 | Car loan | $883.66 | $5.82 | $689.18 | $695.00 | $194.48 |
| August 2029 | Personal loan | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| August 2029 | Credit card | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| August 2029 | Car loan | $194.48 | $1.28 | $194.48 | $195.76 | $0.00 |
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Each scenario starts with the balances, APRs, minimum payments, and plan start month you enter. The model accrues interest monthly at APR divided by 12, rounds each month's interest half-up to cents, then applies payments. Payments are capped at the amount due.
The minimum-payments-only scenario uses each debt's minimum and does not use the extra-payment amount. Snowball applies extra money to the eligible debt with the lowest starting balance; Avalanche targets the eligible debt with the highest APR. Minimums are still included for every debt. Both strategies keep a fixed monthly budget (all minimums plus the extra amount), so the minimum freed when a debt is paid off rolls to the next target in the same month. The baseline does not roll freed minimums over.
This is a fixed-input estimate, not a lender's payment schedule. It does not model daily balances, changing rates or minimums, fees, missed payments, or retroactive promotional interest. A plan that does not finish within the 600-month simulation limit is reported as incomplete.
Debt entries are used in this browser session only. The app does not save balances to a URL or browser storage, and does not send them to a server. No account is required, and PayoffLane does not set cookies of its own.
PayoffLane uses Cloudflare Web Analytics for aggregate visit statistics, such as pages viewed, referrers, country, and device or browser type. Balances, APRs, payments, and other entries are never sent as analytics events. Cloudflare still processes ordinary web request data to provide that service. There are no advertising or marketing trackers.
Real lenders may use different payment timing, fees, and rate rules. Promotional periods and interest-only months follow the values entered; the model does not infer a lender's terms. Check your agreement for account-specific information.
Estimates are educational, not financial advice, a recommendation, or a guarantee of a payoff date or outcome.
Both include each debt's minimum payment. Snowball directs extra payments by lowest starting balance first; Avalanche directs them by highest APR first. The estimate shows how each ordering works with your inputs, not which approach is right for everyone.
The extra amount is added to the sum of minimums in Snowball and Avalanche, then directed to eligible debts in the selected order. It is not added to the minimum-payments-only baseline.
Yes. Add each debt separately and enter its balance, APR, minimum, and any applicable introductory months. A 0% APR accrues no modeled interest; a promotional no-interest period applies only for the number of months entered. For entered interest-only months, the modeled minimum is the interest accrued that month. Verify promotional and deferred-interest terms with your lender; retroactive deferred interest is not modeled.
The CSV exports the selected scenario's monthly schedule, including month, debt, opening balance, interest, principal, payment, and ending balance. It is generated and downloaded in your browser.
Entries remain in memory for the current browser session and are not sent to a server or saved in browser storage. The estimate cannot account for lender-specific daily interest, fees, rate or minimum changes, payment timing changes, or other events not entered here.