Debt Payoff Plan Comparator
By Mo · Published · Updated
Paste your debts, get avalanche vs snowball vs consolidation with the real totals.
Tags: Finance, Planning, Productivity
Prompt template
Here are my debts. One per line: name, balance, interest rate, minimum payment. [textarea: Credit card, 4200, 22.9%, 95 / Car loan, 8100, 6.4%, 210 / Overdraft, 1500, 39%, 0] Spare cash each month after the minimums: [text: A number, even a rough one] What I care about most: [dropdown: Paying the least interest overall, Seeing something disappear quickly, Lowest monthly outgoing, Protecting my credit score] Return: 1. A table comparing avalanche, snowball, and consolidation, each with total interest paid and debt-free date. 2. A recommendation, and the tradeoff I am accepting by taking it. 3. Month one instructions: exactly what to pay where. 4. Anything in my list that needs dealing with before a strategy matters at all.