Debt payoff planner
Avalanche pays the highest interest rate first. Snowball pays the smallest balance first.
Change any number and the result updates. Nothing you type leaves your device.
Three things to know.
List every debt
Balance, interest rate and minimum payment. Your statements have all three.
Pay every minimum
Always. Missing one costs fees and hurts your credit score.
Send the extra to one target
Avalanche saves the most money. Snowball gives quicker wins. Both work if you stick with them.
20 lessons, 30 seconds each.
One idea per video. Swipe to see them all.
Tools for this topic.
Optional. Everything above stays free. Pay once, download instantly, keep forever.
Monthly Money Plan
Every paycheck, planned in 10 minutes a month.
Simple Expense Tracker
See where every dollar goes, in 2 minutes a day.
30-Day No-Spend Challenge
Spend nothing extra for 30 days. Keep the money.
The Start Here Kit
A one-month spending tracker and a $1 a day savings challenge. Works in Excel and Google Sheets. Free to share.
Good questions.
Avalanche or snowball?
Should I invest while I have debt?
What about low-rate debt like a car loan?
The planner says my debt doesn't shrink.
Index funds
The simple way most people should invest: own a small slice of thousands of companies, for a very low fee.