Interactive Financial Calculators

Run your own numbers with our free tools for debt payoff, budget building, and savings goal planning.

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Interactive Financial Calculators

Debt Payoff Calculator

See how long it will take to pay off your debt and how much interest you will pay in total.

Current Balance ($)

Annual Interest Rate (%)

Monthly Payment ($)

Budget Breakdown (50/30/20)

Allocate your monthly income across needs, wants, and savings using the proven 50/30/20 rule.

Monthly Take-Home Income ($)

Savings Goal Tracker

Find out how long it will take to reach your savings goal at your current contribution rate.

Savings Goal ($)

Monthly Contribution ($)

Current Savings ($)

Expected Annual Return (%)

Avalanche vs. Snowball

Which Method Saves You More?

Both strategies work — but one keeps your balance lower every single month and saves you nearly $1,000 in interest.

Month-by-Month Balance Reduction

Avalanche — pays off month 30

Snowball — pays off month 34

Interest Saver

Debt Avalanche

Pay highest interest rate first

$2,847Total Interest Paid

30 monthsTime to Payoff

Mathematically optimal — minimizes total interest paid over the life of your debt payoff.

Momentum Builder

Debt Snowball

Pay smallest balance first

$3,776Total Interest Paid

34 monthsTime to Payoff

Psychologically powerful — quick wins build momentum and keep you motivated to stay on track.

$929 Saved

Extra savings with the Avalanche methodBased on a $15,000 debt portfolio at mixed interest rates with $450/mo payment

Not Sure Which Method Is Right for You?

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