debtzero.Repayment planner · Prototype v0.2
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YOUR DEBT FREEDOM JOURNEY

See the numbers.
Choose your way forward.

Track balances and explore how different payment patterns could affect the time and interest involved.

ⓘ Plan safely: Prioritise rent, council tax, essential bills and other priority commitments. If you are behind on essentials or repayments are unaffordable, seek free debt advice rather than increasing payments. Find support ↗
Total remaining—Across all entered debts
Current scheduled payments—Per month, before extra payments
Additional payment—Added to your comparisons
Debts tracked—Editable below
STEP 01

Your debts

Start with what you owe today. These are sample debts until you replace them.

STEP 03

Explore repayment scenarios

Illustrative estimates

Baseline keeps each debt's current monthly payment (and applies extra to the highest rate). Avalanche maintains your total payment budget and targets the highest current rate. Snowball maintains that budget and targets the smallest balance.

Detailed repayment schedule

Choose a scenario, view the first 24 months and export the full per-debt schedule.

Projected total balances

Monthly balances, with no new borrowing or fees assumed

About this prototype

This first version uses nominal annual interest divided by twelve, with interest added monthly, then payments deducted. A promotional 0% period can be entered as a number of whole months. It offers optional modelled minimum-payment floors, a monthly account fee and scheduled one-off payments. It does not model daily interest, exact lender-specific formulas, arrears, variable scheduled payments or early repayment charges. Dates are relative months, not calendar due dates. Do not rely on these estimates for creditor decisions.

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