FREE TOOL

Debt Pay-Off Planner

Enter your debts, choose a payoff strategy, and get a precise month-by-month plan to become debt-free — for free.

8 StrategiesSnowball, Avalanche & more

Month-by-MonthFull amortization schedule

Instant ResultsNo signup required

Saved locally

Your Budget

Start Month

Monthly Income

Monthly Expenses

Extra Monthly Payment

Debt budget: $2,500.00/moMin payments: $525.00/moExtra to priority: $1,975.00/mo

Pay minimums on everything, then throw every extra dollar at the smallest balance. Quick wins build momentum.

10% paid

15% paid

36% paid

15% paid

Accounts: 4Total debt: $21,350.00Total minimums: $525.00/mo

Learn

Pay minimums on everything, then throw every extra dollar at the smallest balance. Quick wins build momentum.

Target the highest APR first. Mathematically optimal — you pay the least total interest.

Attack the debt with the highest minimum payment first, freeing up monthly cash flow fastest.

You choose the order. Put your most stressful debt at the top and obliterate it first.

FAQ

The planner shows you the math. The Samupindi Capital academy gives you the system — debt elimination, personal finance, investing, and more.