Knowing you want to be debt-free is easy. Knowing exactly how much to pay each month to hit a specific date — and staying on track as balances change — is where most plans fall apart. The Debt-Free Planner gives you a month-by-month payment timeline and lets you log actual balances as you go.
Enter your starting balance and target date. We work backwards to a monthly payment number. Each month you record your actual balance; the planner replans forward automatically. Pay more than expected and the date moves closer. A harder month adjusts the plan without drama.
What you can do
- ✓Month-by-month payment timeline from now to debt-free
- ✓Avalanche or snowball strategy for multiple debts
- ✓Log actual balances and replan automatically
- ✓Per-debt breakdown when carrying multiple loans
- ✓Interest accrual shown for each period
- ✓Save and share your plan
Frequently asked questions
Can I track multiple debts?+
Yes — add each debt separately with its own balance and APR. The avalanche and snowball strategies then tell you which to attack first.
What if my balance changes unexpectedly?+
Log the new balance on any month. The planner replans the remaining months from there automatically.
Avalanche or snowball?+
Avalanche (highest APR first) saves the most interest. Snowball (smallest balance first) gives faster psychological wins. The planner supports both — pick whichever you'll actually stick with.
Ready to plan?
The Debt-Free Planner runs entirely in your browser. Free, no sign-up required to use it.
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