One plan. Every debt. Debt-free faster.

A tool that manages all your debts in one place. You enter each debt's balance, rate, and minimum payment, set a monthly budget, and the planner simulates the payoff month by month — showing the order each debt clears, total interest paid, and your debt-free date.

Avalanche pays the highest interest rate debt first — saves the most money mathematically. Snowball pays the smallest balance first — delivers the fastest psychological wins. Both use the same "roll payments into next debt" engine; they only differ in priority order.

If you're disciplined and want to minimize interest, choose Avalanche. If you need motivation and quick wins to stay on track, choose Snowball. The difference in total interest is usually small — the strategy you'll actually stick with wins.

As much as you can afford while keeping a small emergency fund. Even ₹1,000–5,000 extra makes a meaningful difference. The key is consistency — paying ₹5,000 extra every month beats paying ₹20,000 occasionally.

You can, but mortgages often have much lower rates than consumer debt. Most people focus on high-rate debts first (cards, personal loans), then tackle the mortgage once other debts are cleared. Including it is fine — the planner handles any number of debts.

No — paying at least the minimum on every account keeps them current, which is what protects your credit score. The danger is missing a minimum (late payment), which damages your score for years. Always cover minimums first.

When you pay off one debt, its monthly payment frees up. You roll that entire payment into the next target debt. As debts clear, your available payment grows — accelerating the payoff of remaining debts. The effect compounds.

Then focus on finding more money: cut subscriptions, reduce dining, sell unused items, or take on side work. Even ₹2,000 extra per month dramatically accelerates payoff. Also consider refinancing high-rate debt to reduce minimums.

Highest rate (Avalanche) saves the most interest. Smallest balance (Snowball) gives the fastest first win. If the smallest balance also has the highest rate, both strategies align. Otherwise, pick based on what keeps you motivated.

Yes — build a small buffer (1–3 months of essential expenses) before aggressively paying debt. Without it, any unexpected cost puts you back on credit cards, undoing progress. Once the buffer exists, throw everything extra at debt.

Massively. A ₹50,000 bonus applied to a 36% APR card saves roughly ₹18,000 in the first year and cuts months off your timeline. Apply all windfalls — tax refunds, bonuses, gifts — straight to your target debt.

No. Closing cards reduces your available credit and raises your utilization ratio, which can lower your credit score. Keep them open with zero balance. If you can't resist spending, cut up the card but leave the account open.

Accurate to the month, assuming fixed rates, consistent payments, and no new charges. If rates change (variable-rate debt) or you add new debt, recalculate. Recalculating quarterly keeps the projection current.

Less than you'd think. The total interest difference between Avalanche and Snowball is usually a few percent. What matters far more is whether you keep paying extra consistently. The strategy is the vehicle; consistency is the fuel.

Yes. The planner works with any number of debts — one or many. For a single debt, the strategy choice doesn't matter (there's nothing to prioritize); it just shows how long until payoff and total interest.

Refinancing a high-rate debt to a lower rate reduces interest and frees up monthly cash. If the rate reduction is 0.5%+ and fees are low, refinancing is usually worth it. Then apply the savings to your target debt to accelerate the plan.

The planner assumes fixed rates. For variable-rate debt, use the current rate and recalculate when it changes. If rates are rising, prioritize variable-rate debt even more aggressively, since its cost may increase.

Track progress visually (this planner's timeline and payoff order help). Celebrate each debt paid off. Automate payments so consistency doesn't require willpower. Write your debt-free date somewhere visible. Share your goal with someone for accountability.

No — the opposite. Paying extra reduces balances and utilization, which improves your credit score. The only exception: closing accounts after paying them off can hurt. Keep accounts open with zero balance.

If your debt rate exceeds expected investment returns, pay debt first — it's a guaranteed return. Always contribute enough to get your employer retirement match (instant 50–100% return). For low-rate debt under 8%, investing may win.

Quarterly, or after any change: rate change, new debt, payoff of a debt, windfall, or change in income. Recalculating shows your progress and lets you adjust the plan. It's also motivating to see the timeline shrink.

Consolidation can simplify multiple debts into one payment at a lower average rate. If the consolidated rate is lower, you'll save interest. But it doesn't reduce debt — you must avoid running up the cards again. Use this planner to compare consolidation vs current plan.

Share the plan and the debt-free date. Hold monthly check-ins to review progress. Agree on shared sacrifices (fewer dinners out, delayed purchases) and shared rewards (celebrate each debt paid). Shared goals have far higher success rates.

Break it into milestones. Celebrate each ₹50,000 or ₹1 lakh paid down. Consider refinancing or consolidation if it reduces your rate. Also consider non-profit credit counselling if the load feels unmanageable. Large debts are beaten by consistent small actions over time.

Indirectly. Inflation erodes the real value of fixed-rate debt over time. This is a mild argument for not rushing to prepay low-rate fixed debt. But high-rate debt (cards at 36%+) far outpaces inflation — always prioritize it.

Yes, and you should. Set up automatic payments for minimums on all debts, plus an automatic transfer for the extra amount to your target debt. Automation removes willpower from the equation and ensures consistency.

Don't beat yourself up — just resume the next month. One missed extra payment barely affects the long-term timeline. What matters is consistency over years, not perfection every month. Keep minimums covered to protect your credit.

Use savings above your emergency fund (1–3 months of expenses). If your debt rate exceeds your savings rate, paying debt is mathematically better. But keep the emergency fund — draining it exposes you to re-borrowing on cards if something goes wrong.

Track three things monthly: (1) total debt balance (should fall), (2) debts paid off (should increase), (3) projected debt-free date (should move earlier). Recalculate with this planner each month to see the timeline shrink.

No. Everything runs in your browser. Nothing is uploaded, tracked, or stored. If you want to keep a record, download the PDF or take a screenshot. Your financial data stays on your device.