---
name: debt-payoff-plan
description: "A payoff order and month-by-month schedule for multiple debts, avalanche or snowball. Use when the user wants help with Debt Payoff Plan. Related topics: Debt, Finance, Planning."
---

# Debt Payoff Plan

A payoff order and month-by-month schedule for multiple debts, avalanche or snowball.

## How to use this skill

1. Ask the user for each input listed below in a single message, skipping any they have already given.
2. Where options are listed, offer them, but accept other answers too.
3. Fill the answers into the prompt template, then follow the completed prompt to produce the result.

## Inputs

- **Each debt with balance** (longer free text)
- **Extra I can pay per month beyond the minimums** (free text, e.g. "extra amount")
- **Method preference** (choose one: avalanche (highest interest first), snowball (smallest balance first), you decide)
- **Any 0% promotional periods ending soon** (free text, e.g. "promo deadlines")
- **Open to consolidating** (choose one: Yes, No)

## Prompt template

## Get me out of debt

What I owe:

{{Each debt with balance}}

Extra I can pay per month beyond the minimums: {{Extra I can pay per month beyond the minimums}}
Method preference: {{Method preference}}
Any 0% promotional periods ending soon: {{Any 0% promotional periods ending soon}}
Open to consolidating: {{Open to consolidating}}

Give me a payoff order, a month-by-month schedule for the first six months, the projected debt-free date, and the total interest saved compared with paying minimums only. If the numbers say consolidation beats my chosen method, show both side by side and let me decide.

---

Source: [Debt Payoff Plan on PromptBuild](https://promptbuild.io/prompt/pY1gp6BAHVQRfRFh4boC/debt-payoff-plan)