ClearIt.
Less debt. More freedom. Compare payoff strategies and build a plan that fits your budget.
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Use the amount you actually plan to pay each month. Rates are treated as fixed APRs.
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Build your payoff plan
Minimum payments continue on all active debts. When a debt is cleared, its payment rolls into the next debt.
How it works
Avalanche: Focus extra payments on the highest APR first. This often minimizes interest.
Snowball: Focus extra payments on the smallest balance first. This can provide quicker early wins.
Estimates assume fixed interest rates, monthly compounding, and payments made monthly. Real lenders may calculate interest daily, change rates, add fees, or require different minimum payments. This tool is for planning, not a lender statement.