Monthly Breakdown
Full month-by-month table for your selected strategy. Switch loans using the tabs.
| Month |
Cash out |
To debt |
Debt remaining |
To investments |
Portfolio total |
Inv. growth % |
Net worth |
How planner.cash works
planner.cash models four debt payoff strategies side-by-side, showing you exactly how much each costs in interest and how quickly you build net worth. Every dollar you have is either paying down debt or going into investments — the question is just the order.
The four strategies
Avalanche Highest interest rate first
Pay the minimum on every loan. Put all extra cash toward the loan with the highest interest rate. Once it's paid off, redirect to the next highest rate. This is mathematically optimal — it minimizes total interest paid.
Saves the most money in interest
Fastest net worth growth
May take longer to see first payoff
Requires discipline without early wins
Snowball Smallest balance first
Pay the minimum on every loan. Put all extra cash toward the loan with the smallest balance. Paying off loans quickly creates psychological momentum — proven to help people stay on track.
Quick early wins feel motivating
Simplifies your number of loans fast
Costs more in total interest
Slower net worth growth mathematically
Hybrid Snowball then Avalanche
Pay off the smallest loan first to get a quick win and free up its minimum payment. Then switch to targeting highest-interest loans. Balances motivation with mathematical efficiency.
One early win for momentum
Then optimal from that point forward
Slight interest cost vs pure avalanche
Requires switching mindset mid-journey
Minimum only Invest first
Pay only the minimums on all loans. Invest all extra cash immediately. Bets that investment returns will outpace interest costs. Works best when loan rates are significantly below market returns.
Portfolio compounds from day one
Wins when rate spread favors markets
Pays maximum total interest
Debt lingers longer; higher monthly stress
The math behind net worth
Net worth = portfolio value minus remaining debt. Each month, every dollar is allocated: first to loan minimums, then to the target loan (per strategy) or investments. Once a loan hits zero, its freed-up minimum payment is redirected. The "invest-first" column shows exactly why keeping cheap debt can pay off — or not — depending on the rate spread and your loan size.
Why the payoff order matters on multi-loan debt
With a single loan, avalanche and snowball are the same. With multiple loans, the order of payoff changes how quickly freed-up minimums compound into your extra cash — which changes how aggressively you can attack remaining debt. A $50/mo minimum on a paid-off loan becomes extra firepower for the next one. planner.cash models this cascade precisely.