Your debts
Avalanche vs snowball, honestly
Avalanche (highest interest rate first) is mathematically optimal — every extra dollar goes where it cancels the most interest. Snowball (smallest balance first) usually costs somewhat more in interest but clears whole accounts sooner, and for many people those early wins are what keeps the plan alive. The best method is the one you'll actually stick to; this calculator shows you the price difference so you can choose with open eyes.
Either way, the lever that matters most is the extra payment — and finding it is a paycheck problem, not a math problem. That's where Payd comes in: it shows what's truly safe to put toward debt each pay period after your bills are covered, so your extra payment is a number you can trust, not a guess.
Find your extra payment, every payday
Payd tracks your bills and safe-to-spend by pay period, so you know exactly what you can throw at debt without shorting anything. No bank login, truly offline.
This calculator is for planning purposes only and does not constitute financial advice. It assumes fixed APRs and payments; actual card terms vary.