The avalanche method pays the highest-APR debt first — mathematically the fastest, cheapest way out. Enter your debts to see the exact order, your debt-free date, and what an extra payment saves you in interest.
Highest APR first — that’s the avalanche. Pay the minimum on everything, throw every spare dollar at #1, then roll its payment onto #2 as each falls.
A one-time number is a start. Debt Engine tracks every debt, watches your BNPL deadlines, and earmarks the two “extra” paychecks a year that actually get you to zero — then redirects them to retirement once you’re debt-free. No bank login, no signup to try it.