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Debt payoff: snowball or avalanche
Compare several debts, extra payments and a one-time payment. Get a monthly plan you can download.
Compare payoff plansWhat would you like to work on?
Choose one useful task. Start with the numbers or documents you already have; the resource will explain what to check next.
Choose one task, then check the assumptions
You can use these resources without an account or a paid plan. Calculators explain what they include and what they leave out. A result is a scenario to review, not a creditor offer, an investment forecast or an assistance decision.
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19 of 19 resources shown
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Debt decisions
Compare payments, borrowing terms and different ways to handle a balance.
Calculator · Free
Credit card payoff and minimums
Estimate payoff time and interest with a fixed payment, then compare a declining minimum with a chosen fixed payment.
Check card paymentsCalculator · Free
Check a consolidation offer
Compare the same debt balance with a quoted loan, including how its fee is paid.
Compare consolidation costsCalculator · Free
Balance transfer: after the promotion
Model the fee, promotional rate and later rate. See what could remain when the promotion ends.
Check a transfer offerCalculator · Free
Personal loan payments and fees
Estimate a fixed-rate loan and compare two offers that provide the same usable cash.
Compare personal loansCalculator · Free
Car loan payments
Include taxes, fees, a down payment and trade-in debt before comparing repayment terms.
Check a car loanCalculator · Free
Debt management plan offer
Use quoted creditor payments and agency fees. The tool does not assume an interest reduction.
Review a DMP offerGuide · Free
Find a starting point for debt help
Answer a few questions to choose a useful next resource. This is an educational guide, not approval for a program.
Choose a starting pointWorked examples · Free
Snowball and avalanche: worked scenarios
Inspect four fictional scenarios, their assumptions and downloadable data. These are examples, not survey results.
Explore the scenariosBills and collections
Work on cash flow, a medical bill or the next conversation with a creditor.
Calculator · Free
Budget and payment dates
Separate monthly capacity from the cash available on particular dates. Check whether bills come before income.
Check my cash flowCalculator · Free
Review a medical bill
Use a bill-review checklist, ask about assistance and calculate the terms of a written payment plan.
Work through a medical billWorksheet · Free
Debt letter and contact log
Prepare an editable English dispute or information request. Keep contact notes separately and send it yourself.
Prepare a letterGuide · Free
Prepare a creditor conversation
Use questions and a simple script to explain your situation and record the response.
Prepare the conversationWorksheet · Free
Documents for a canceled-debt tax review
Organize records and questions for a tax preparer. The document helper does not calculate tax or decide an exclusion.
Organize tax-review documentsHousing
Separate mortgage repayments from the costs of keeping your home.
Calculator · Free
Pay off an existing mortgage
Compare extra principal payments on a fixed-rate mortgage while keeping taxes, insurance and HOA costs separate.
Compare mortgage paymentsSaving and investing
Explore assumptions and trade-offs before deciding where extra money goes.
Calculator · Free
Compound interest, fees and inflation
Explore what starting savings and monthly contributions could become under the assumptions you enter.
Explore growth assumptionsCalculator · Free
Plan contributions for a savings goal
Estimate a monthly contribution for a target and date, with a choice of future dollars or today’s purchasing power.
Plan a savings goalCalculator · Free
Pay off debt or invest
Compare one fixed debt and an investment scenario over the same horizon and monthly budget. Returns are assumptions.
Compare the two scenariosBenefits and basic needs
Find official starting points for food, health coverage, housing and energy help.
Resource directory · Free
Official help for essential expenses
Find the relevant agency, prepare your questions and follow an official application route. No eligibility score.
Find official benefit resourcesLearn, teach or keep up
Resources for educators and counselors
Use printable fictional examples for a conversation or class, with clear assumptions and a next action.
Open educator resourcesFollow site updates
Read the update log and use the free RSS feed to follow changes to tools and content.
Read updatesKeep what helped. Choose your next step.
Everything here is optional. You can finish here, return when useful or share this free resource.
Continue a saved plan
Use the tool’s save and recovery controls to review the copy’s date and inputs before applying them. A saved estimate is not a record of payments you actually made. This section does not open or change saved copies.
For example: check the next bill date. This note stays in the current page; this feature does not save or send it. Copy it yourself if you want to keep it. Your browser may restore form fields. Do not enter account numbers or sensitive details.
Share the free resource
Only this public link and a generic title are shared. Your entries, results and next-action note are not included.
Free financial tools — GetDebtFree.tools
Choose a date to review
Download an all-day calendar file with a generic title. It includes this public resource link, never your amounts, account names or note. Choose the date yourself; this does not calculate a payment or legal deadline.
Review my next step
Open or import the file in your calendar, then check the date and choose any notification there. Downloading does not add the event automatically. Change or delete it in your calendar. Importing again may create duplicates; check for an existing reminder first. A different date creates a separate reminder.
Could you do what you needed?
You can prepare an email to Xavier about the page. No calculator data is attached. Your email app opens for you to review and send; this site does not receive anything unless you send it. Do not include account numbers, documents or financial details. Replies are not immediate or individual financial advice.
Finished this task?
You can stop here and return when it is useful. If you want to work on a savings goal next, our free tool helps you explore a target and your own contributions. Choosing it does not change this plan.