Debt Calculator
Calculate debt payoff strategies, consolidation savings, and create your debt-free plan
Your Debts
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Debt Avalanche Results
Debt Management Tips
🎯 Choose Your Strategy
Debt Avalanche saves more money, but Debt Snowball provides psychological wins. Pick what motivates you.
💰 Find Extra Money
Cut expenses, sell items, or take on side work to increase your debt payments. Every extra dollar helps.
🚫 Stop Creating New Debt
Put credit cards away and use cash or debit cards only while paying off existing debt.
📞 Negotiate with Creditors
Call your creditors to request lower interest rates or payment plans. Many are willing to work with you.
📊 Track Your Progress
Monitor your debt balances monthly and celebrate milestones to stay motivated on your journey.
🏦 Consider Consolidation
A consolidation loan might lower your interest rate and simplify payments, but compare carefully.