Smallest balance first
Clear whole debts sooner. Quick wins keep you going.
Free · private · no sign-up
Your cards and loans, one clear plan.
Add your debts, pick snowball or avalanche and see the month you are debt-free, the order each debt is cleared and the interest you save compared with paying only the minimums.
- No account needed
- Runs in your browser
- Snowball and avalanche side by side
Highest rate first
Pay the least interest overall.
Fix the highlighted fields to see your results.
Debt-free by
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- Interest saved
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- Time saved
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- Total interest
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- Monthly budget
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Payoff order
Snowball vs avalanche
Less interest
Snowball
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Less interest
Avalanche
— —In the free app you can plan up to 3 debts with Snowball. Avalanche and unlimited debts are Pro, or 24 hours with a credit.
Your numbers stay on this device. Results are estimates, not financial advice.
App features
One plan for all your debts.
The Android app runs the same plan and keeps it on your phone.
- Currencies
- 26
- Languages
- 12
- Accounts needed
- 0
- Free credits to try Pro
- 5
Snowball plan with rollover
Up to 3 debts for free: your debt-free month and year, total interest, the interest and months saved compared with paying only the minimums, and the payoff order with each debt’s month.
- Free
Loan calculator and schedule
Four ways to calculate a loan, a schedule with a balance chart and APR with fees.
- Free
Tracking and reminders
Save up to 3 loans, mark payments as paid, set reminders and add a home screen widget.
- Free
Avalanche and unlimited debts
Pay the highest rate first to pay the least interest, with as many debts as you have. Pro, or 24 hours with a credit.
- Pro
Tools to finish sooner
Credit card payoff, an extra payment simulator, and refinance and consolidation.
- Pro
FAQ
Frequently asked questions
Snowball or avalanche: which is better?
Avalanche pays the highest interest rate first, so it usually costs the least interest. Snowball pays the smallest balance first, so whole debts disappear sooner, and those quick wins help many people stick with the plan. The comparison under the results shows both for your own debts.
What does rollover mean?
When a debt is paid off, its minimum payment stays in your monthly budget and moves to the next debt in line. You keep paying the same total each month until everything is paid.
Why does it say “Never”?
If a payment does not cover a debt’s monthly interest, the balance never goes down. Raise that minimum payment or the extra amount.
How exact are the numbers?
Interest is worked out once a month on each balance (APR ÷ 12). Card issuers may charge interest daily, add fees or change your rate, so treat the result as an estimate. It is not financial advice, and FightTech is not a lender or a debt service.
What does the Android app add?
Unlimited debts and the avalanche method, credit card payoff, an extra payment simulator and refinance and consolidation, plus a loan calculator, reminders and a widget. Pro is a one-time lifetime purchase or a monthly or 3-month plan. You start with 5 credits, and each opens Avalanche or a Pro tool for 24 hours.
Pick a strategy, watch the balances fall.
Debt Payoff Planner for Android: your credit cards and loans in one plan on your phone.
- No account
- Works without a signal
- 26 currencies, 12 languages