Debt Payoff Tracker
Know exactly when you'll be debt-free.
Track every credit card and loan. Compare snowball vs avalanche strategies. See how extra payments accelerate your payoff.
❄️ Snowball Calculator
Pay off smallest balances first for quick wins and momentum. See exactly when each debt drops to zero.
🏔️ Avalanche Calculator
Target highest interest rates first to minimize total interest paid. Compare savings against the snowball method side by side.
💰 Extra Payment Impact
Enter any extra monthly amount and instantly see how many months and dollars you'll save. Even $50/month can make a huge difference.
📈 Balance Tracking
Track credit card balances, loan amortization, and interest charges over time. See your total debt decrease month by month.
Take control of your debt
Debt feels overwhelming when you can't see the end. myLiquiFlow gives you a clear picture: your current total debt, your projected debt-free date, and exactly how much interest you'll pay along the way.
The snowball and avalanche calculators run side by side so you can compare strategies. Toggle between them, adjust your extra payment amount, and watch the projections update in real time.
Every payment you record updates your balances and recalculates your payoff timeline. It's not a static spreadsheet — it's a living debt payoff plan that adapts as your situation changes.
No account required. Works in your browser.