Debt payoff planner · free · nothing leaves your browser

Find the day your debt ends.

List what you owe. Clearday plays out snowball and avalanche month by month and shows you both debt-free dates, what each costs in interest, and which one saves you more.

Plan my payoff See it work ↓

No sign-up. No bank login. Nothing to install.

Balance over time

Snowball

4 months

$40.11 interest

Avalanche Saves the most

4 months

$33.56 interest

Avalanche saves $6.55 in interest.

A $600 card at 24% and a $400 loan at 12%, with $200 a month extra. Real output from Clearday.

Two pieces of advice

Smallest first, or highest rate first?

The snowball pays off your smallest balance first, for quick wins. The avalanche goes after your highest rate first, to pay less interest. Both are good advice. Which one is right for you depends on your own numbers, played out month by month, with every paid-off debt's minimum rolling into the next. That's a spreadsheet most people never build. Clearday builds it in the time it takes to type your balances.

Snowball

Smallest balance first. Each payoff frees up its minimum for the next one, so the snowball grows as it rolls.

Avalanche

Highest interest rate first. The most expensive debt goes first, so less of your money goes on interest.

How it works

Three steps. About two minutes.

  1. List your debts.

    Name, balance, rate and minimum payment. Type amounts however you write them: $1,250.50 works.

  2. Add what you can spare.

    Any extra you can pay each month on top of the minimums. Change it and everything updates as you type.

  3. Compare the two plans.

    Both debt-free dates, the total interest and total paid for each, and one plain sentence saying which saves you more.

What you get

Everything the spreadsheet would tell you. None of the spreadsheet.

  • Your debt-free date, twice.

    See the month and year you finish under each strategy, how long that is in years and months, and the total you'll have paid.

  • The difference, in one sentence.

    No subtraction needed. Clearday tells you which strategy is cheaper and by how much, or that they cost the same.

  • Watch the balance fall.

    One chart, both strategies, your total balance month by month down to zero.

  • Know what to pay first.

    The order each strategy clears your debts, the month each one goes, and a clear 'Start here'.

  • Every month, laid out.

    A full schedule of what to pay each debt and what's left, for whichever strategy you follow.

  • Warnings that matter.

    If a minimum doesn't even cover the interest, or your payments can't keep up, Clearday says so plainly instead of showing a date that will never come.

Try it here

This is Clearday. Go ahead, type.

The planner below is the real app, running on this page. Press "Try an example" under the form to load four sample debts, or type your own. Whatever you enter stays in this browser, and it'll still be there when you open the full planner.

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Open the full planner

Your numbers are saved only in this browser's local storage. Nothing is sent anywhere.

  • Stays on your device. No account, no server, no bank connection. Your debts live in your browser.

  • Free, with no catch. No ads, no tracking, no upsell to a loan.

  • Honest about its limits. It compares snowball and avalanche with fixed rates and minimums. It doesn't give financial advice.

Your clear day is closer than you think.

Two minutes, your own numbers, both plans side by side.

Plan my payoff