Enter your balances, APRs and minimum payments once. The planner builds the entire payoff schedule and tells you the month you finish.
The real question isn't whether to pay off debt, it's which order. Snowball gives you momentum by clearing small balances first. Avalanche saves the most interest by attacking the highest rate. This workbook runs both on your actual numbers and shows the difference in months and dollars.
Add an extra payment and watch the payoff date move. That feedback loop is what keeps people going after month three.
Who it's for: Anyone carrying multiple balances who wants a plan with a finish line instead of a vague intention.