Help & Guidance
Quick Start Guide
How to use Dashboard How to Add Cards Understanding Your Plan
Common Questions

Snowball Method: Pay off smallest balances first. This gives you quick wins and motivation.

Avalanche Method: Pay off highest interest rates first. This saves you the most money in interest.

We calculate your minimum payments based on your card's balance and minimum payment requirements. Extra payments are applied to your target card based on your chosen strategy (Snowball or Avalanche).

You can update your card details anytime by clicking the edit icon next to your card. Changes will automatically update your payoff plan.

The timeline assumes you make all planned payments on time and don't add new debt. It's recalculated whenever you update your card details or payment amounts.
Tips & Tricks
💡 Quick Win

Start with a small extra payment - even $25/month can reduce your payoff time by months!

🎯 Stay Focused

Stick to one strategy. Switching between methods can slow down your progress.

📊 Track Progress

Check your dashboard weekly to stay motivated by your progress.

💳 Avoid New Debt

Consider freezing or cutting up paid-off cards to avoid temptation.

🎉 Celebrate Milestones

Each paid-off card is a victory! Celebrate your progress (without spending money!).

Take Control of Your Debt – Fast, Simple, and Free

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Start your journey to financial freedom using proven strategies like the Snowball and Avalanche methods. Personalized tools to simplify debt payoff and achieve your goals faster.

Why Choose PlanMyPayoff?

Smart tools to help you become debt-free faster

Smart Calculators

Use our interactive calculators to compare the Snowball and Avalanche debt payoff methods. Find the most effective strategy to pay off your credit card balances and reduce interest costs.

Progress Tracking

Stay on track with intuitive dashboards that visualize your debt reduction progress. View reports, set milestones, and celebrate your achievements along the way.

Payment Reminders

Avoid late fees with smart payment reminders. Customize alerts to align with your budget and payoff schedule for stress-free financial management.

How It Works

Three simple steps to start your debt-free journey

Enter Your Debt Details

Quickly input your total debt, interest rate, and monthly payment.

Get Your Personalized Plan

Receive a custom roadmap that shows exactly how to pay off your debt faster.

Start Paying Off Faster

Follow your plan and see the difference—more clarity, less stress.

Top Benefits

Fast Setup

Get your personalized plan in just minutes.

Personalized Approach

Tailored strategies that fit your unique debt situation.

Clear Roadmap

Know exactly how to reduce your debt and save on interest.

See How Fast You Can Be Debt-Free

Try our quick payoff calculator to get started immediately

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