MMC • Debt Payoff Planner

Snowball vs. Avalanche — made simple

Add your debts, and I’ll help you pick the payoff method that fits your real life — not just the math. You’ll also see what you’ll tackle first, so it feels doable (not like you’re paying “everything at once”).

Your debts

Minimum = your non-negotiable. Extra = your accelerator. Anything extra rolls forward automatically as debts get paid off.

Debt name	Current balance	Interest rate (%)	Minimum payment	Extra (optional)

Extra payments apply to your priority debt and automatically roll over as debts get paid off.

Plan settings

What’s your “I will actually stick to this” vibe?

This helps the tool recommend a method that matches how you actually follow through.

When life gets lifey, I need a plan that keeps me going.

If the math difference is small, I’ll lean toward Snowball (quick wins = momentum).

If one debt is stressing you out, put it first (optional)

Use this if you want to prioritize a debt for personal reasons (stress, variable rate, co-signer, etc.).

Payment frequency

Extra you can put toward debt

Even small amounts help.

Start month

One-time extra payment (optional)

Example: tax refund, bonus, gift, “third paycheck month.”

Apply it in this month

Leave blank if you’re not adding a one-time payment.

No logins. No linking. Just a clear plan you can breathe through.

Your payoff plan

Add at least one debt and I’ll map your payoff plan for you. 💛

Snowball vs. Avalanche — made simple

Your debts

Your payoff plan

What’s the difference?

Payoff order (what you’ll tackle first)

First 3 months preview

Reality check (because this is real life)

Snowball vs. Avalanche — made simple

Your debts

Your payoff plan

Recommended for you: —

What’s the difference?

Payoff order (what you’ll tackle first)

First 3 months preview

Reality check (because this is real life)