Debt Payoff Planner (with full schedule)
The debt snowball and avalanche calculators tell you how many months until you're debt-free and how much interest you'll pay — but not exactly what happens each month along the way. This planner builds the full schedule: which debt gets extra money first, when each one clears, and how your minimum-payment total shrinks as debts fall away.
Money beyond the minimums that cascades onto your priority debt each month.
Snowball pays off the smallest balance first; avalanche targets the highest interest rate first.
Months to debt-free
29
Total interest paid
₹1,10,689
Payoff schedule
Showing every month a debt clears, plus a checkpoint every 6 months.
| Month | Debt cleared | Remaining balance | Cumulative interest |
|---|---|---|---|
| 6 | — | ₹3,73,978 | ₹43,978 |
| 12 | — | ₹2,87,348 | ₹77,348 |
| 18 | Credit Card ✓ | ₹1,88,350 | ₹98,350 |
| 24 | — | ₹78,370 | ₹1,08,370 |
| 29 | Personal Loan ✓ | ₹0 | ₹1,10,689 |
How to use this tool
- 1Enter each debt's balance, interest rate, and minimum payment (up to 5 debts).
- 2Enter how much extra you can put toward debt each month, and choose snowball (smallest balance first) or avalanche (highest rate first).
- 3Review the month-by-month schedule and download it as a PDF to track your progress against.
This tool produces a document from the information you enter — it is general information, not financial, tax or legal advice. Review the result carefully before using it.
Frequently asked questions
How is this different from the debt snowball/avalanche calculators?+
Those give you the summary — total months and total interest. This planner shows the actual schedule: exactly which month each individual debt reaches zero, so you can track real progress against a plan rather than just a target date.
Can I switch strategies partway through?+
Yes — this tool doesn't save your plan, so you can re-run it anytime with an updated balance list or a different strategy to see how the schedule changes.