Payoff Haven

A pile of balances, rates and minimum payments doesn't tell you what to do next. Which debt gets the extra money? When will the last one actually be gone? And is any of it working?

Payoff Haven turns what you owe into an ordered plan. Add each debt once, balance, interest rate, minimum payment, and choose how to attack it: Snowball (smallest balance first), Avalanche (highest interest first), or your own custom order. Put any extra money toward the plan's next target or a debt you pick, and every debt gets a projected payoff date, with the interest it will cost along the way.

The What If? planner shows what a bigger monthly payment would change before you commit to it. As you pay, record each payment and watch real progress: the amount paid since you started, milestones as they are reached, and a timeline of when each debt could be gone.

No bank connection, no account. Everything stays in your own browser, with a backup file you can download and restore. Color themes, desktop and phone, same features either way.