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Compare rental yield, cap rate, cashflow, debt service, and cash-on-cash return.

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Home/Financial/Debt Payoff Strategy Calculator

Debt

Debt Payoff Strategy Calculator

This calculator recommends a debt payoff strategy by comparing both maths and behaviour, not just the cheapest theoretical path.

Decision report included

Review the decision summary, key metrics, assumptions, and action items, then create a printable report for a lender, broker, household, or client discussion.

Use the report to document the scenario, explain the tradeoff, and agree on the next action.

Inputs

Enter your scenario.

Decision Summary

Recommended strategy

Consolidation

Consolidation is recommended for the selected preference. Consolidation is cheapest, Avalanche is fastest, and Snowball is likely easiest to stick with.

Decision index

Watch
Planreview

Key metric comparison

Debt-free date2 years 10 months
Interest saved$475
Consolidation timeline2 years 10 months

Fastest strategy

Watch

Avalanche

Estimated debt-free timeline: 2 years 10 months.

Cheapest strategy

Watch

Consolidation

Estimated interest cost: $6,115.

Easiest strategy

Watch

Snowball

Favours early visible wins and lower behaviour friction.

Debt-free date

Watch

2 years 10 months

Timeline for the recommended strategy.

Interest saved

Healthy

$475

Potential saving versus the snowball path in this setup.

Consolidation timeline

Watch

2 years 10 months

Payoff estimate if debts are consolidated at the entered rate.

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Assumptions

Review the assumptions behind the result.

  • The model compares three debts using minimum payments plus one flexible extra repayment.
  • Lump-sum payments are applied immediately according to the chosen strategy.
  • The behavioural score favours strategies that create early visible wins.

How To Use The Result

Turn the output into a practical next step.

  • Choose avalanche if the cheapest path matters most.
  • Choose snowball if early wins help you stay consistent.
  • Use consolidation only if the rate and payment discipline improve the overall plan.

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Compare another decision before you commit.

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Comparison

Pay Extra or Invest Calculator

Compare extra debt repayments against investing after tax and risk adjustment.

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