Two ways to use this. Tell us your monthly payment and we will tell you when the card is paid off and what it costs in interest. Or tell us when you want to be done and we will tell you what monthly payment you need.

The debt avalanche orders your payoff by APR — highest interest rate first. It is mathematically optimal: same monthly payment, less total interest, often months sooner debt-free. Enter your debts and see the schedule.

The debt snowball orders your payoff schedule by balance — smallest first — so you get visible wins early in the plan. Enter your debts below, set your monthly payment, and see exactly when each one disappears.

Lenders use your debt-to-income ratio to decide whether to approve a mortgage, refinance, or large personal loan. Under 36% is the comfortable zone, 36 to 43% is acceptable, above 43% gets tight. Enter your numbers and see where you land.

An extra $100 per month does not feel like much. But on a high-APR balance, that $100 routinely pulls in months sooner and saves hundreds in interest. See exactly what your extra payment is worth.

Both methods reach debt-free using the same monthly payment. The difference is the order — snowball pays the smallest balance first, avalanche pays the highest APR first. Enter your debts and see which one wins for your specific portfolio.