Stop guessing which debt to pay off first. This calculator shows you exactly how — track up to 5 debts by name, choose between the Avalanche method (save the most money) or Snowball method (quick wins first), and see your complete payoff plan instantly.
WHAT YOU GET:
✔ Add up to 5 debts with custom names, balances, interest rates, and minimum payments
✔ Choose your strategy: Avalanche or Snowball
✔ See your exact payoff order and timeline for each debt
✔ Visual chart showing every balance shrinking to zero over time
✔ Interest paid breakdown by debt, so you know what's really costing you
✔ Add an optional extra payment to see how much faster and cheaper it gets
WHY IT WORKS:
Most debt calculators only handle one balance at a time. This one plans your entire debt payoff at once, automatically rolling freed-up payments into your next debt as each one gets paid off — the real "snowball" effect, not just a simplified estimate.
HOW TO USE IT:
Download the file, open it in any web browser (Chrome, Safari, Edge, Firefox), and start entering your numbers. No installs, no logins, no subscriptions. Works on desktop and mobile.
INSTANT DOWNLOAD — no waiting, no shipping. A clear how-to-use guide is included.
Your information stays private: everything runs locally in your browser and nothing is ever stored or sent anywhere.
Questions? Message at support@designcrate.store anytime — We are happy to help.
