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Debt Payoff Tracker
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Debt Payoff Tracker

8 debts

What you owe, when it ends, and what the plan is saving you.

Total owed

$44.620,00

across 7 active debts

7 active1 cleared

Debt-free

dicembre 2029

42 months from now

Monthly payment

$1230,00

$980,00 minimums + $250,00 extra

Interest to pay

$5943,37

at 8.6% average rate

Interest saved

$3199,98

versus minimums only

Time saved

13 months

sooner out of debt

Average rate

8.6%

weighted APR

Paid off so far

$21.460,00 of $66.080,00

32.5%
$44.620,00 remaining balance
$1230,00 paid this month

The road to zero

Total balance each month. Green dots mark a debt being cleared.

$0$12.5k$25k$37.5k$50k202720282029

a debt is clearedDebt-free dicembre 2029

Debt by debt

7 active

Visa credit card

24.99% APR · min $105,00

$4180,00

of $5400,00

23% paidcleared agosto 2027

Medical bill

0% APR · min $35,00

$860,00

of $1200,00

28% paidcleared luglio 2028

Student loan

5.8% APR · min $210,00

$18.450,00

of $24.000,00

23% paidcleared dicembre 2029

Car loan

7.4% APR · min $265,00

$11.280,00

of $19.500,00

42% paidcleared novembre 2028

Personal loan

11.5% APR · min $180,00

$6400,00

of $9000,00

29% paidcleared aprile 2028

Loan from parents

0% APR · min $100,00

$2000,00

of $3500,00

43% paidcleared febbraio 2028

Dentist payment plan

9.9% APR · min $85,00

$1450,00

of $2400,00

40% paidcleared gennaio 2028

Paid off

Debts completely wiped out by your plan

  • Phone financing
Learn more about our debt payoff tracker

Debt payoff tracker with snowball and avalanche compared side by side

Most debt tools make you pick snowball or avalanche before showing you what either one costs. This one runs both — plus your own custom order — over the same balances and the same budget, then tells you the debt-free date and the total interest for each. Add what you owe, set what you can pay each month, and the tracker works out the order, the milestone dates and the month-by-month schedule. Log payments as you make them and your balances stay current.

Three strategies compared

Avalanche, snowball and your own order, run on the same money so you can see what the choice actually costs.

A real debt-free date

Month-by-month simulation with rolling payments, not a rough estimate — including the month each debt is cleared.

Payments that count

Log what you pay; balances update, and the tracker separates the part above the minimum that actually shortens the plan.

Built on our calculators

The same maths as our credit card payoff, personal loan and debt snowball calculators — now applied to all your debts at once.

Methodology Full comparison