See every debt payoff milestone before you make the first payment.
List your debts, set your extra payment, and get a clear timeline showing when each debt ends and what to celebrate along the way. No account. No data leaves your browser.
Your Debt List
Add each debt below. The tracker sorts them smallest balance first, then simulates your snowball payoff with milestones.
| Debt | Balance | Min Payment | Rate | Actions |
|---|
No debts added yet. Use the form above or pick a quick-fill example.
Extra monthly payment
This amount goes toward the smallest debt first, then rolls to the next one after each payoff.
Milestone Timeline
Each marker shows a payoff event or progress point. Click a milestone to see details.
Add debts and click Calculate Milestones to see your timeline.
Example: Sarah's Snowball
Sarah has three debts and can put an extra $200 per month toward them. Here is what her milestone timeline looks like.
| Debt | Balance | Min | Rate |
|---|---|---|---|
| Store Card | $1,200 | $40 | 24.99% |
| Visa | $3,800 | $95 | 19.99% |
| Car Loan | $8,500 | $280 | 5.90% |
Her milestones
- Month 4 — Store Card paid off. Celebration: dinner out.
- Month 14 — Visa paid off. Celebration: weekend trip.
- Month 28 — Car Loan paid off. Celebration: debt-free party.
Total interest paid: about $2,100. Without the snowball plan, she would have paid closer to $2,900.
How to Get the Most From This Planner
Start with real numbers
Pull your latest statements. Use the current balance and the actual minimum payment shown. Guessing high or low changes the timeline more than you might expect.
What counts as "extra"
The extra payment is anything above your total minimums. It might come from a side job, a spending cut, or a tax refund you commit to debt. Be honest about what you can keep up month after month.
Common mistakes
- Forgetting to include all debts (medical bills, buy-now-pay-later, personal loans).
- Setting an extra payment that is too high and having to skip months.
- Not updating balances when rates or minimums change.
- Stopping the snowball after the first payoff instead of rolling that payment forward.
When to recalculate
Run the numbers again after any balance change, rate change, or when you can increase your extra payment. Each update gives you a fresh timeline and new milestones to aim for.
Snowball vs. Avalanche
This tracker uses the snowball method (smallest balance first). If you want to test the avalanche method (highest interest first), drag your debts into a different order after adding them. The timeline will recalculate using your custom order.
What this tracker does not do
It does not connect to your bank, pull live balances, or account for fees and rate changes. It is a planning worksheet, not a financial advisor. Use it to build a plan, then follow that plan with your real accounts.
Questions People Ask
What is the debt snowball method?
You pay minimums on every debt, then put all extra money toward the smallest balance first. When that debt is gone, you roll its payment into the next smallest. The quick wins keep motivation high.
Should I use snowball or avalanche?
Snowball focuses on smallest balances for fast psychological wins. Avalanche targets highest interest rates to save more on interest. This tracker uses snowball by default, but you can reorder debts manually to test avalanche.
How accurate are the payoff dates?
They are estimates based on your inputs and simple monthly compounding. Real dates may shift due to fees, rate changes, or how your lender applies payments. Use these as a planning guide, not a guarantee.
Is my financial data safe?
Everything stays in your browser. Nothing is sent to a server. If you use the save feature, data is stored only on your device. Clearing browser data removes it.
Can I print my plan?
Yes. Click the Print button in the workspace. It opens a print-friendly view with your debt list, summary, and milestone timeline.