See exactly how to pay off your debt.
List every balance, see how much money you have available each month, and receive a clear payoff order with your estimated debt-free date.
Focus your extra payment on the highest-interest account while maintaining every required minimum.
When do you get paid?
Tell us when you get paid. We'll split your debt budget across each paycheck and email you on payday with what to pay that week.
Your monthly cash flow
Start with your take-home income and the money you need for regular monthly expenses.
List all your debts
Include credit cards, personal loans, car loans, medical balances and other accounts you want to pay off.
Your road to debt freedom
Here is your projected payoff path.
Start with your priority debt.
Your recommendation will appear here after the plan is built.
Avalanche vs. Snowball
Same income, expenses and debts — here's how each strategy plays out so you can choose with your eyes open.
Both strategies use the same monthly debt budget. Avalanche usually finishes with less total interest paid; Snowball usually clears your first account sooner.
Which debt to attack first
Continue paying every required minimum. Send your additional payment to the first active debt below.
See your debt from two angles
Explore how your balances are split by account or follow the projected path to $0.
Tap a slice or account to record a payment.
This updates your planner balance. Interest or fees can change the posted balance, so update it to match your creditor’s statement.
Want help deciding what to pay off first? Veto can walk through your plan with you.
Ask Veto →