See Your Exact Debt-Free Date. Pay Off Debt Faster.
Add all your debts, choose avalanche or snowball strategy, and get your exact payoff timeline with total interest saved — completely free. No bank connection required.
Strategy 1
Debt Avalanche
Attack the highest interest rate debt first. Minimizes total interest paid — saves the most money.
Best for: Saving the most money
Strategy 2
Debt Snowball
Attack the smallest balance first. Pay off debts faster — more psychological wins to keep you motivated.
Best for: Staying motivated
How it works
Your personalized debt payoff roadmap
Add all your debts
Enter each debt with its current balance, interest rate (APR), and minimum monthly payment. Add credit cards, student loans, car loans, personal loans — any debt you carry.
Choose avalanche or snowball strategy
Avalanche attacks your highest-rate debt first (saves the most interest). Snowball attacks your smallest balance first (fastest psychological wins). PenniesTrack shows you the difference.
See your debt-free date and track progress
Get your exact payoff timeline and total interest cost. Log payments as you make them to watch your balances drop and your debt-free date get closer.
Everything you need to get out of debt
A clear plan makes debt payoff faster and less overwhelming.
Both strategies, side by side
See avalanche vs. snowball compared for your specific debts — time to payoff, total interest, and monthly payment requirements.
Multi-debt tracking
Track unlimited debts simultaneously. The planner automatically calculates the optimal payment order based on your chosen strategy.
Exact debt-free date
Know the month and year you will be completely debt-free. Seeing a specific date is one of the most motivating parts of the debt payoff process.
Progress tracking
Log payments as you make them. Watch your balance drop month by month and see your total interest paid vs. remaining.
Completely Free — No Credit Card Required
The full debt payoff planner — avalanche, snowball, unlimited debts, debt-free date, interest calculations — is included in the free plan forever. No trial period, no hidden fees.
Create your free account →Know your debt-free date by tonight.
Create your free account, add your debts, and see your payoff plan in under 5 minutes.
Frequently Asked Questions
What's the difference between debt avalanche and snowball?
Avalanche: Pay minimum on all debts, put extra money toward the highest interest rate debt first. Saves the most money in interest overall. Snowball: Pay minimum on all debts, put extra money toward the smallest balance first. Gives faster psychological wins by eliminating debts sooner. PenniesTrack lets you model both and see the difference in cost and time.
How much faster can I pay off debt by paying a little extra each month?
The impact is larger than most people expect. On a $10,000 debt at 18% APR: paying $250/month takes 57 months and costs $4,171 in interest. Adding $100 more ($350/month) takes 37 months and costs $2,609 — saving $1,562 in interest and 20 months. PenniesTrack shows this comparison automatically for each of your debts.
Can I track credit cards, student loans, and personal loans together?
Yes. You can add any type of debt — credit cards, personal loans, student loans, car loans, medical debt, or any other balance. Each debt entry has its own balance, interest rate (APR), and minimum payment. The planner calculates the optimal payoff order based on your chosen strategy.
Is the debt payoff planner really free?
Yes, completely free — no credit card required, no time limit, no hidden fees. The full debt payoff planner (avalanche, snowball, multi-debt tracking, debt-free date, interest calculations) is included in the free plan forever.
Does it update my progress automatically?
You log payments manually as you make them. Each payment updates the remaining balance and recalculates your payoff timeline. This keeps you aware of your progress and accountable for staying on plan.