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Loading your debt-free roadmap...
Enter your debts below to compare snowball vs avalanche
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Months to free
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Total Debt
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All balances combined
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Interest Saved
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Best method vs worst
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Debt-Free Date
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With best strategy
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Winner
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Better method for you
📋 Your Debts
Enter each debt — name, balance, interest rate (APR), and minimum payment
⚙️ Extra Payment
How much ABOVE your minimums can you throw at debt each month?
📊 Quick Comparison
Which strategy gets you free faster?
⚡ Payoff Strategy Comparison
Snowball vs Avalanche: Which one saves you the most?
📅 Payoff Timeline
When each debt disappears under each strategy
📆 Monthly Payment Schedule
Exact dollar amounts — where every payment goes each month
Total Balance Over Time
Interest Paid: Snowball vs Avalanche
Debt Composition
Monthly Interest Cost
Debt Payoff Report
Vault & Vessel Studio ·
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How To Use
Compare debt payoff strategies with your real numbers — get a clear plan to become debt-free
🚀 Getting Started
1
Add Your Debts
Enter each debt's name, balance, interest rate (APR — the yearly rate your lender charges), and minimum payment.
2
Set Extra Payment
How much above all your minimums can you afford each month? Even $50 extra makes a huge difference.
3
Compare Strategies
See snowball (pay smallest balance first — quick wins) vs avalanche (pay highest interest first — saves most money) head to head.
4
Pick Your Plan
Use the monthly schedule to see exactly where every dollar goes. Print it and stick it on your fridge.
📊 Terms Made Simple
Snowball Method: Pay off the smallest balance first. You get quick wins that keep you motivated. Might cost a bit more in interest, but feels amazing.
Avalanche Method: Pay off the highest interest rate first. Saves the most money mathematically. Takes discipline because the first payoff might take longer.
APR (Annual Percentage Rate): The yearly interest rate your lender charges. A 20% APR means you're charged roughly 1.67% of your balance each month.
Minimum Payment: The smallest amount your lender requires each month. Paying only minimums keeps you in debt for decades.
Extra Payment: Any amount you pay ABOVE all your minimums combined. This is the rocket fuel — it gets redirected to your target debt.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Your actual payoff may vary based on rate changes, fees, and payment timing. Consult a financial advisor for personalized guidance.