Get out of debt

What can I pay off, and when?

Compare payoff routes and protect a cash cushion while you make progress.

List the balances
Use current balances, APRs and minimum payments. Compare avalanche and snowball under the same monthly payment budget.
Build a payoff comparison →
Protect a buffer
Set a separate emergency goal. Check that debt payments and saving contributions fit within the same take-home budget.
Plan an emergency cushion →
Stress the schedule
Return to the payoff tool with a lower extra payment. Print both scenarios and note any promotional-rate expiry or variable APR.
Test a smaller extra payment →

Your get out of debt takeaway

A payoff comparison, a sustainable monthly payment target, and a separate cash-buffer goal.

Record the tool, scenario name and preparation date alongside each finding. Include a source date when using published observations.

My comparison, inputs and source dates

Before the next step

Are the balances and rates from current statements?When do promotional rates expire, and are fees excluded from my estimate?Can I make this payment without adding new debt for ordinary spending?What cash buffer would prevent an unexpected bill from restarting the cycle?Which payment will I schedule, and when will I review the plan?My next action, target date and what I still need to verify

Typed answers stay in this tab and disappear when you leave. Use fictional information for student activities. Print or save a PDF to keep the worksheet.

Calculator reports capture the numeric inputs used for each result. Add those reports to this worksheet; the separate tools do not automatically transfer entries between them. Publisher sources and dates appear on the relevant tool or lesson.

List the balances

Protect a buffer

Stress the schedule

Your get out of debt takeaway

Before the next step