💰 Smart Debt Payoff Calculator
Compare debt payoff strategies including avalanche, snowball, and cash-flow optimized approaches. Find the fastest and most cost-effective way to become debt-free.
💳 Debt Information
💰 Cash Flow Analysis
🎯 Extra Payment Strategy
Total Debt
$0
Monthly Payments
$0
Avg Interest Rate
0%
📊 Cash Flow Analysis
Available for Debt
$0
Emergency Fund Status
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Debt-to-Income
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Financial Health
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🏔️ Debt Avalanche
Pay minimums on all debts, put extra money toward highest interest rate first
Total Interest: $0
Payoff Time: 0 months
Monthly Payment: $0
| Priority | Debt | Rate | Payment |
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❄️ Debt Snowball
Pay minimums on all debts, put extra money toward smallest balance first
Total Interest: $0
Payoff Time: 0 months
Monthly Payment: $0
| Priority | Debt | Balance | Payment |
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💰 Cash Flow Optimized
Optimize payment strategy based on your cash flow and financial goals
Total Interest: $0
Payoff Time: 0 months
Monthly Payment: $0
| Priority | Debt | Score | Payment |
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💡 Recommendation
Enter your debts and calculate to see personalized recommendations.
💡 Pro Tip: The cash-flow strategy considers your entire financial picture, not just debt balances and interest rates. It helps ensure you maintain financial stability while paying off debt.