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 Credit Card Debt with PlanMyPayoff

Step-by-step strategies tailored to help you pay off credit cards faster with real progress tracking.

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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.

Debt Freedom

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

Add Your Cards

Enter your credit card balances, interest rates, and minimum payments to get a clear picture of your debt.

Choose Your Strategy

Select from Snowball or Avalanche payoff methods. Let our tools calculate the best plan to meet your goals.

Track Progress

Monitor your debt reduction with real-time updates and visual progress charts. Adjust your strategy as needed.

🔒 Privacy & Security You Can Trust

At PlanMyPayoff, we prioritize your data security and privacy. From industry-leading encryption to complete user control, your information is protected at every step. Trust us to safeguard your data while you focus on achieving financial freedom.

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