Question 1

Do I have to link my bank or card accounts?

Accepted Answer

No. You only enter basic info like your balance, interest rate, and minimum payment. The planner never connects to your bank, never asks for logins, and never pulls your credit report.

Question 2

How accurate is the payoff date?

Accepted Answer

It uses the same monthly-interest math your card issuer uses (APR ÷ 12 applied to your balance). Your real timeline can vary by a month or two if your minimum payment formula or fees differ, but the direction and savings comparison are realistic.

Question 3

Avalanche or snowball — which should I pick?

Accepted Answer

Avalanche (highest APR first) saves the most interest mathematically. Snowball (smallest balance first) gives faster psychological wins. The planner shows both at the end so you can pick the one you'll actually stick with.

Question 4

Is the payoff planner really free?

Accepted Answer

Yes. The planner is 100% free, runs entirely in your browser, doesn't require an account, and we don't sell your data.

Question 5

What if my income or debts change?

Accepted Answer

Come back anytime, adjust your numbers, and the new payoff date and interest savings update instantly. You can also save a share link to reload the same scenario later.

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Common questions