Debt Payoff Map
Free calculators that compare the debt snowball and avalanche methods side by side: a debt-free date, total interest, payoff order, a chart and a full schedule. It is our own product, built for search traffic. Debt Payoff Map is its working name.
- Client
- Own product
- Industry
- Personal finance tools
- Year
- 2026
- Draft preview
- View the preview Launching soon on its own domain
The brief
People with several debts arrive with one question: how long until I am debt-free, and which method saves more? Many calculators model one method, show no chart, or exist to sell a loan.
So the site compares both methods at once, needs no account, keeps every number in the browser, and publishes exactly how the maths works.
What we built
Snowball vs avalanche
Both methods side by side, with a debt-free date, total interest, payoff order and a chart.
Maths you can check
Calculations in whole cents, checked against hand calculations and an independent implementation, with 38 tests.
Credit card payoff
How long a fixed payment takes, or the payment needed to clear the card by a chosen date.
Export and share
Download the schedule as CSV, or share a link that reopens with the same numbers.
A published methodology
Every step of the monthly calculation explained, so anyone can reproduce it in a spreadsheet.
Four currencies
Results in US, UK, Canadian or Australian currency, from one selector.
Under the hood
- Next.jsA fully static site, so pages load instantly and hosting costs almost nothing.
- TypeScript engineThe payoff maths in one tested module, separate from the design.
- Vitest38 tests, so a change to the maths can never slip through unnoticed.
- Hand-built SVG chartsNo chart library and no third-party scripts.
At a glance
- Calculators
- 3
- Tests
- 38
- Third-party scripts
- None