We'll tell you exactly what to pay, in what order, every single month until your balance hits zero.
Step 1 — Choose your payoff strategy
⚡ Avalanche — Recommended
Pay off highest interest rate first. Saves the most money in total interest.
❄️ Snowball
Pay off smallest balance first. Builds momentum with quick wins.
Step 2 — Enter your debts
Step 3 — Extra monthly payment (optional)
$
💡Even $50/month extra can shave months off your payoff timeline and save hundreds in interest.
⚠️Please fill in all debt fields before continuing.
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Debt-free date
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Months to go
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Total interest
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Monthly payment
What if you paid more each month?
Extra monthly payment
+$0/mo
Move the slider to see how extra payments affect your payoff date.
Compare strategies
Accelerated = your current minimums + extra monthly amount from the slider above.
Month
Date
Focus debt
Pay this
All others
Balance after
ℹ️These are estimates based on the information you entered using a monthly interest model. Actual results depend on your lender's billing cycle and terms. This is not financial advice.
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Update your actual payments each month and Debt Escape recalculates your debt-free date automatically. Never lose track of your progress.
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Email it to yourself or open in the monthly tracker