Debt Free Journal — Free Tool
Your Debt Payoff
Enter your debts, choose your method, and find out exactly when you’ll be Debt Free — one debt at a time.
Your Debt Payoff
Timeline Calculator
Enter your debts, choose your method, and find out exactly when you’ll be Debt Free — one debt at a time.
As referenced in Debt Free Journal by Daniel Meichtry
“Determine your debt payoff order. The most prominent methodologies are the Debt Snowball or Debt Avalanche. Choose what you think is best for your situation, but remember to focus on one debt at a time.”Debt Free Journal — Timeline Section
Step 1 — Choose your method
Amount above your minimums. Even $50/mo can shave years off your timeline.
Step 2 — List your debts
Include everything: credit cards, car loans, student loans, medical bills — any money you owe. Find balances in your lender’s app or on statements.
Debt name
Balance ($)
Interest %
Min. payment ($)
Your Debt Free Date
Debt Free Date
—
Total debt balance
—
Total interest paid
—
Monthly payment
—
minimums + extra
Debt Payoff Order
Debt Snowball
| # | Debt | Balance | Payoff date | Interest paid |
|---|
Your Debt Free Journey starts here.