SnapPayoff

SnapPayoff is a web‑based tool that lets users compare two common debt‑repayment strategies: the snowball method and the avalanche method. By entering the amounts, interest rates, and minimum payments of multiple debts, the calculator projects the timeline for each approach and identifies the date on which all balances will be paid off. The interface also shows the total interest that would be incurred under each plan, helping users see how the choice of strategy affects overall cost and repayment speed. Because the service is offered without charge, it can be used by anyone looking to organize personal finances and evaluate the most efficient path to becoming debt‑free.