Debt Payoff Calculator

Two popular strategies both win: snowball (smallest balance first for momentum) and avalanche (highest rate first for cost). Type each balance and rate, set an extra monthly amount, and the tool marches the balances down in order. It ignores fees, penalty APRs, and forbearance nuances—reconcile with your servicer for exact payoffs and legal obligations.

[calculator id="debt-payoff-calculator"] — Shortcode reference; the live calculator mounts in the block below when the child theme enqueues the matching script.