How this works: list your debts below, and this tool instantly shows you the fastest, cheapest order to pay them off — no signup, nothing saved anywhere. When you're ready, you can also ask the AI to explain your specific plan in plain English.

1 Your debts

Add each credit card, loan, or bill you're paying down. Balance is what you currently owe; APR is the yearly interest rate (check your statement or card agreement if you're not sure — a rough guess is fine to start).

2 Extra payment & strategy

Any extra amount you can put toward debt each month, on top of your minimums, speeds things up. Adjust the slider or type an exact amount.

Extra toward debt each month $200

Avalanche: pay off your highest-interest debt first. Mathematically saves you the most money.

3 Your results

Payoff order

4 AI Strategy

Want it explained in plain English? This site's own AI provider will turn the numbers above into a short, personal strategy — what to do, one thing that could speed it up, and one pitfall to watch for. No account or API key needed from you; that's configured by the site owner and never leaves the server.

Your AI-written strategy will appear here.