Debt Payoff Planner
Pick snowball or avalanche, add an extra monthly payment, and see your debt-free date and total interest.
1 min read
The Problem
A budget shows what you can put toward debt this month. It does not show when you will actually be done, which balance to attack first, or how much interest an extra $100 saves.
What it is
The Payoff page turns your credit cards and loans into one plan. Choose snowball (smallest balance first) or avalanche (highest rate first), edit each minimum payment, and add an extra monthly payment. Copia shows your debt-free date, total interest, and a projected balance for every debt, month by month.
The planner is free, on web and in the mobile app.
Why it matters
You can see how a change today moves your debt-free date, and which strategy saves more interest, without a spreadsheet.