DebtFold DebtFold Try it

Debt payoff simulator

See the move.
Then make it.

Compare payoff strategies before you commit. DebtFold turns your balances, rates, and budget into a month-by-month path out of debt.

Try the simulator Open DebtFold
No account required Visible assumptions Synthetic demo
Your payoff forecast
Scenario 01
Minimum payments Nov 2032 $17,940 interest
SELECTED Your plan May 2031 $4,360 less interest

Balance remaining

One choice, two possible paths

18 months sooner
YOUMINIMUMS
01 Credit card02 Auto loan03 Student loan
Extra payment$200 / month applied

The tradeoff is the point

A payment is a choice about your future.

DebtFold shows the full consequence of that choice before any money moves.

01

See which balance gets your next dollar.

02

Understand the time and interest it changes.

03

Choose a plan you can actually keep following.

Try a scenario

Change one number. See what changes.

Explore a synthetic example using the same explainable logic that powers DebtFold.

Your extra budget$200 / month
$0$800

Strategy

Synthetic debts

Credit card $8,40024.99% APR · $250 minimum
Auto loan $18,0007.25% APR · $420 minimum
Student loan $24,0005.50% APR · $275 minimum

Projected outcome

Avalanche plan

Synthetic data
Debt-freeMay 2031
Interest paid$13,580
Payoff time84 mo.
$0 $0 0 0 Months Balance remaining
Minimum payments Selected plan
Payoff order 01 Credit card 02 Auto loan 03 Student loan

This example applies $200/month above minimum payments using Avalanche. The highest-rate balance receives the extra amount first; when it is paid off, its payment rolls to the next balance.

Illustrative example. Results depend on the information entered and are not financial advice.

Try with your own debts

How it works

From scattered balances to one clear plan.

Explore the engine
01

Model

Enter balances, rates, payments, dates, and cadence.

02

Simulate

Project debt month by month, including interest and extra payments.

03

Compare

See avalanche, snowball, minimum-only, and custom outcomes.

04

Act

Choose a plan, track progress, and update the forecast.

What you can see

Small inputs. A complete picture.

Every result connects back to your balances, your budget, and the strategy you chose.

01

Multi-debt projections

See all balances move together in one month-by-month forecast.

02

Payment rollover

When one balance closes, its payment moves to the next target.

03

Interest and principal

Separate the cost of borrowing from the progress you make.

04

Never-pays-off warnings

Surface insufficient payments instead of hiding an impossible result.

05

Explainable assumptions

Every result can be traced back to the inputs and strategy.

06

Deterministic outputs

The same scenario always produces the same forecast.

For financial institutions

Give people a clearer way to move forward.

License the deterministic simulation engine for your bank, credit union, fintech, or financial-wellness product.

Talk about the engine See technical details
Deterministic outputs
Explainable assumptions
Flexible integration paths