Run avalanche, snowball, and hybrid debt-payoff strategies side-by-side. See exactly how much you save in interest, when each debt clears, and which strategy fits your psychology.
Get notifiedSee featuresThe features that make Debt Payoff Optimizer useful day-to-day.
Run both strategies on your actual debts. See total interest paid, debt-free date, and monthly progression for each.
Project total interest paid over the life of the plan. Small extra payments can shave thousands off the total — see exactly how much.
Hybrid plans (smallest debt first then highest interest) sometimes beat both. Compare custom strategies against the standard ones.
Income changes, unexpected expenses, windfalls — re-run the plan in seconds. The strategy that's optimal today may not be the one that's optimal in six months.
Built for people who want a useful tool, not enterprise checkbox features.
Designed for daily use, not enterprise checkbox compliance.
Hosted on our own servers in Estonia. No US-jurisdiction tracking, no third-party analytics.
Currently in private build. Add your details and we'll let you know when it's open. b-systems.enquiries@proton.me