Route studio

Debt Payoff Path

Plot every balance like a late-night rail line, compare avalanche against snowball, and test temporary payment boosts without rebuilding another spreadsheet.

Strategy compare Boost windows Browser draft active

Projected payoff-Tune balances, rates, and boosts to project the route.

Interest spend-Selected route total.

Boost impact-Compared with a route that removes every extra payment boost.

Next focus-Which balance the selected strategy attacks first.

Build the route

Set a base monthly overpayment, then add temporary boost windows for side gigs, tax refunds, or short sprint months when you can push harder.

Route name

Base extra payment

Preferred strategy

Notes

Balances

Each balance becomes a stop on the route.

Boost windows

Amounts stack on top of the base extra payment.

Snowball vs avalanche

Both routes use the same balances and boost plan. Pick which one feels right after you see the timing and interest tradeoff.

Avalanche Snowball

Focus queue

The very next balance to attack and the order the rest of the line clears.

Balance breakdown

See how each balance behaves under the selected route.

Saved routes

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No saved routes yet. Save the current route when it feels worth keeping.

Stability notes

Warnings appear here if your minimum payments are too weak or the route stalls out.