1.🎯Still drowning in 19 % APR credit-card juice?
- I built a dead-simple calculator that shows exactly how fast you can surface.
2.Punch in every balance + rate → it spits out TWO futures:
- Snowball: kill the smallest balance first (quick dopamine)
- Avalanche: nuke the highest rate first (max $$ saved)
3.Real numbers from my own debt:
- Switch to Avalanche → save $823 interest and be debt-free 1 yr 11 mo sooner.
- No spreadsheet, no 5-hour YouTube course.
4.100 % free, no sign-up, works on your phone.
- Stop guessing, start the countdown to $0 balance.
- Try it → Debt Payoff Planner
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