Debt payoff planner
See your way out of debt.
List your credit cards, loans, and money you owe friends. ExpensePulse compares the avalanche and snowball methods side by side, with a rough timeline and interest estimate, so you can pick the plan you'll actually stick to.
No card needed. Takes about a minute to set up.
Why people use it
Avalanche or snowball, side by side
Avalanche tackles the highest interest rate first to pay less overall. Snowball clears the smallest balance first for quick wins. See both orders at once.
A date to aim for
Get an estimate of how many months until you're debt-free and how much interest you'll pay along the way.
Payments that stay in sync
Log a payment or schedule it as a recurring bill and the balance updates — no double entry.
Money you owe people, too
Track informal debts to friends and family alongside cards and loans, and settle them when you're square.
How it works
- 1
Add each debt with its balance, interest rate, and minimum payment.
- 2
Open payoff strategies to compare avalanche and snowball.
- 3
Log payments as you go and watch the balance drop.
Questions about debt payoff planner
What's the difference between avalanche and snowball?+
The avalanche method pays off the debt with the highest interest rate first, which usually costs less in total. The snowball method pays off the smallest balance first, which gives you quicker wins. ExpensePulse shows both so you can compare.
How accurate are the payoff estimates?+
They're estimates based on your current balances, interest rates, and payments. Real results change if rates, fees, or payments change, so treat them as a guide rather than a guarantee.
Can I track money I owe to friends or family?+
Yes. Add informal debts alongside loans and cards, record partial payments, and mark them settled when they're paid off.
Is this financial advice?+
No. ExpensePulse is a tracking and planning tool. For advice about your situation, talk to a qualified financial adviser.
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