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Debt Snowball and Avalanche Planner
Compare allocation of one monthly budget across multiple debts until payoff.
Debt rows [name,balance,annual %,monthly minimum], Total monthly debt payment budget
JSON
Browser only
Runs locally in your browser. Your files, pasted content and generated output are not uploaded. Reset clears this tool’s working data.
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How to use this tool
- Enter the labelled values using the displayed units and explicit assumptions.
- Choose Calculate result and review the complete report and any undefined or no-solution states.
- Choose Download result to save the complete JSON. Reset clears the result and restores example controls.
Examples
Debt rows [name,balance,annual %,monthly minimum]: [["Card A",1500,18,60],["Loan B",5000,7,120],["Card C",800,22,40]]
Total monthly debt payment budget: 400
Limitations
- 1–20 JSON debt rows [name,balance,annualPercent,fixedMinimum]. Positive balances/minima,rates0–100%. Budget at least sum of fixed minima;all minimum payments must exceed first-month interest. Interest then capped minimum then extra budget in fixed initial smallest-balance or highest-rate order,stable input-order ties. Freed payments roll over immediately;up to1200months. No new borrowing,changing minima,daily interest or fees;incomplete horizon is explicit.
- Scalar controls accept explicit finite decimal syntax;positive values normally1e-12–1e12,nonnegative0–1e12 unless a narrower range is stated. JSON numeric rows use finite IEEE754 values within their stated bounds. Derived counts above1billion and nonfinite results refuse. Combined input<=400000UTF8 bytes;complete JSON<=4MiB. All processing stays in your browser.
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