Debt Payoff Plan — Printable PDF
A printable payoff plan is what you tape inside a cabinet door or slip into a budget binder — not a screen you close. This page generates a multi-page PDF with the strategy comparison on page one, your chosen month-by-month schedule, and a clear-order list showing when each debt falls.
Adjust debts and budget in the controls below, then download PDF. Annual summary mode collapses long plans past 36 months. CSV exports the same figures for spreadsheet tracking.
Print at 100%, actual size. Planning tool only.
Your debts stay in your browser. We never see them, and nothing is saved.
Avalanche (highest rate first)
Payoff: 38 months
Total interest: $3,177.55
First debt cleared: month 26
Snowball (smallest balance first)
Payoff: 39 months
Total interest: $3,302.31
First debt cleared: month 13
Avalanche: 38 months · $3,177.55 interest
Snowball: 39 months · $3,302.31 interest
Avalanche saves $124.76 in interest compared to snowball.
Snowball clears your first debt 13 months sooner.
Paying only minimums costs $3,378.12 more in interest than avalanche.
Avalanche clear order
- 1. Visa — month 26
- 2. Mastercard — month 30
- 3. Car loan — month 38
| Month | Debt | Payment | Interest | Principal | Balance |
|---|---|---|---|---|---|
| 1 | Visa | $2,880.00 | $903.83 | $1,976.17 | $2,823.83 |
| 1 | Mastercard | $780.00 | $384.87 | $395.13 | $1,704.87 |
| 1 | Car loan | $2,340.00 | $498.25 | $1,841.75 | $6,658.25 |
| 2 | Visa | $2,880.00 | $398.47 | $2,481.53 | $342.30 |
| 2 | Mastercard | $780.00 | $298.25 | $481.75 | $1,223.12 |
| 2 | Car loan | $2,340.00 | $374.92 | $1,965.08 | $4,693.17 |
| 3 | Visa | $350.95 | $8.65 | $342.30 | $0.00 |
| 3 | Mastercard | $1,309.72 | $86.60 | $1,223.12 | $0.00 |
| 3 | Car loan | $4,170.00 | $218.36 | $3,951.64 | $741.53 |
| 4 | Car loan ✓ | $746.88 | $5.35 | $741.53 | $0.00 |
The Nifty App · theniftyapp.com
Related payoff plans
Debt Payoff Calculator
Free debt payoff calculator. Compare debt snowball vs avalanche, see your payoff date, and download a month-by-month printable PDF or CSV. Your debts stay in your browser.
Debt Snowball vs Avalanche — Side-by-Side Comparison
Free debt snowball vs avalanche — side-by-side comparison. Compare debt snowball vs avalanche, see your payoff date, and download a month-by-month printable PDF or CSV. Your debts stay in your browser.
Debt-Free Date Calculator
Free debt-free date calculator. Compare debt snowball vs avalanche, see your payoff date, and download a month-by-month printable PDF or CSV. Your debts stay in your browser.
Debt Payoff Tracker — Printable
Free debt payoff tracker — printable. Compare debt snowball vs avalanche, see your payoff date, and download a month-by-month printable PDF or CSV. Your debts stay in your browser.