⚔️ Debt Payoff Planner

Snowball vs avalanche — see your payoff date and total interest for each.

Total monthly budget for ALL debt payments (RM)

❄️ Snowball

Smallest balance first — motivation

Debt-free in

–

Total interest

–

🏔️ Avalanche

Highest rate first — cheapest

Debt-free in

–

Total interest

–

Assumes fixed rates and no new borrowing. If your budget doesn't cover the minimums, the planner will tell you.