Add your debts, pick a payoff strategy, and see the exact date you'll be debt-free — plus how much extra payments save you in interest.
See your payoff date — it's freeNo credit card required. Takes about 2 minutes.
See precisely when you'll be free of every debt, based on your real numbers.
Drag a slider and instantly see how paying a bit more moves your payoff date sooner.
Choose the method that fits you — quick wins, or the lowest total interest.
The debt snowball method is a simple way to pay off multiple debts by targeting your smallest balance first, while making minimum payments on everything else. Once that smallest debt is gone, you roll its payment into the next-smallest one — building momentum, like a snowball rolling downhill and picking up speed.
The advantage of this approach is psychological: paying off a full debt quickly gives you an early win and keeps you motivated to keep going, even if it isn't always the mathematically fastest route.
If saving the most money in interest matters more to you than early wins, the avalanche method — paying off your highest-interest debt first — is usually the better fit. PayoffGlide lets you try both and see which gets you debt-free sooner for your specific numbers.