Interactive Demo

Debt payoff demo

Interactive demo: add your loans, compare snowball vs avalanche strategies, and see your debt-free date. Free calculator built for salaried Indians.

How it works

1
Add each loan
Enter outstanding balance, interest rate, and minimum EMI for credit cards, personal loans, and vehicle loans.
2
Enter your monthly budget
Fill in take-home pay, needs, and wants to see how much surplus you can put toward debt.
3
Compare snowball vs avalanche
Switch strategies and see which clears debt faster and saves more interest for your specific loans.
4
Schedule lump-sum prepayments
Add bonus or tax refund prepayments and watch your debt-free date move up.

✓Compare snowball and avalanche side by side

✓See exact debt-free date and interest saved

✓Model lump-sum prepayments from bonus

✓No signup — runs entirely in your browser