A clearer route to zero
Turn your balances into a clear repayment plan.
Compare the debt avalanche, snowball and your own payoff order using one fair monthly budget. See the trade-offs, then take the next practical step.
Educational estimate only. Actual creditor calculations and payment allocation can differ. If you cannot meet essential costs or required payments, contact your creditors and an appropriately qualified local adviser promptly.
Start with stability
Can your plan protect what matters first?
These answers help us distinguish repayment optimisation from a situation that needs immediate human attention.
Your monthly foundation
Set a payment level you can sustain.
Use take-home income and essential costs. Gross income is optional and used only for an informational debt-to-income ratio.
Build your debt picture
Add each balance once.
Use friendly labels such as “Card A.” Do not enter card or account numbers.
Shape the repayment plan
Choose how much extra to test.
All strategies use the same starting budget so their trade-offs remain fair.
Review before calculating
Make the assumptions visible.
Check the figures below against your latest statements.
How this estimate works
- Interest is modeled monthly as opening balance × APR ÷ 12.
- Payments are applied to fees, interest and then principal.
- Actual daily interest, fees, rounding and allocation may differ.
- Avalanche, snowball and custom strategies keep the same starting repayment budget.
Side-by-side
Compare the trade-offs
Each accelerated strategy uses the same starting monthly budget.
Scenario lab
See what one change can do
The road to zero
Remaining debt over time
View chart data table
Your next moves
Personal action plan
Payoff milestones
What clears first
Inspect the model
Annual repayment schedule
Keep or share your progress
Your plan stays in your hands.
Save privately on this browser, print a detailed report, or create a result card with aggregate information only.