Payoff Plan
Compare snowball and avalanche payoff projections with a clear focus order.
Payoff projection
Compare momentum strategies using current balances, APRs, and monthly payments.
Debt-free dateJuly 2029
Timeline38 months
Interest estimate$4,030
Strategy comparison
Snowball
Smallest balances first for visible wins.
Date
November 2029
Months
42
Interest
$4,569
Avalanche
Highest APR first to reduce interest drag.
Date
November 2029
Months
42
Interest
$4,363
Avalanche currently saves $206 in estimated interest. Both strategies currently finish in the same number of months.
Scenario planner
Test extra principal without changing your saved debt ledger.
Months saved
4Interest saved
$539Monthly commitment
$1,065Payoff order
Smallest balance first to create visible wins.
1
FocusMedical Balance$1,320 · 0%
2
Everyday Card$4,280 · 22.4%
3
Auto Loan$11,950 · 7.2%
4
Student Loan$18,400 · 5.6%