List what you owe. Pick a plan. See the day it’s gone.
What you owe
Highest rate first. Pays the least interest, full stop.
On top of the minimums ($735/mo). Every freed-up minimum rolls into the next debt.
Debt-free
Dec 2031
5 yrs 1 mo from now · $735/mo toward debt
Slide the extra up and watch the date move.
Avalanche
Dec 2031
$6,978 interest
Snowball
Dec 2031
$6,978 interest
Same result either way with these debts. Pick the one you’ll stick with.
Payoff order
Carries over
Use this in your life insurance numberYour $37,100 becomes the D in DIME. Leave the mortgage off this list — it has its own line there.
