Free debt payoff picker

Snowball or avalanche? Choose your first debt target in 2 minutes.

Enter two debts you are considering. This quick picker suggests whether you should start with the smallest balance for momentum or the highest APR for interest pressure.

Debt A

Name

Balance

APR %

Minimum Payment

Debt B

Name

Balance

APR %

Minimum Payment

Realistic extra payment this month

What do you need most?

Want the full tracker? The paid kit includes a debt inventory sheet, paycheck reset tracker, snowball/avalanche picker, and weekly check-in. Search Gumroad for 30-Minute Debt Payoff Plan once live.