Repayment Planner & Strategy Simulator

Simulate Avalanche vs Snowball, test extra payments, and calculate your exact path to debt freedom.

Select Strategy

Total Monthly Debt Budget$980 / month($780 minimums + $200 extra)

Additional Monthly Payment: $200/moSaves ~$1,872 in interest & 11 months sooner!

Strategy Comparison: Avalanche vs Snowball

Avalanche vs Snowball Advantage

$41.78

Additional interest saved choosing Avalanche over Snowball

Fastest Early Win (Snowball)

14 Months

Eliminates Chase Sapphire Preferred

Debt-Free Target Date

2029-11

Total term: 37 months

💡 Strategy insight: Debt Snowball provides faster early wins with debt eliminated in 14 months.

Projected Debt Elimination Order (AVALANCHE)Total Interest: $3,186.01

Chase Sapphire Preferred

Balance: $0 • APR: 21.49%

Estimated Payoff2027-12 (14 mos)

Interest Cost$536.01

Auto Loan (Honda CR-V)

Balance: $0 • APR: 5.75%

Estimated Payoff2029-05 (31 mos)

Interest Cost$1,574.97

Federal Student Loan

Balance: $0 • APR: 4.99%

Estimated Payoff2029-11 (37 mos)

Interest Cost$1,075.02

Mathematical Assumptions: Projections assume current APR remains constant, required minimum payments are made on time every month, and all extra funds and freed payments are immediately rolled into the priority debt. Actual results will vary with billing cycles, fees, rate adjustments, or early lump-sum payments.