Debt Payoff Planner with 0% Promo-APR Warning

See when each 0% or balance-transfer deal ends, and whether you will clear it in time. This planner runs up to 10 debts month by month three ways: avalanche, snowball and promo deadline first.

For each method it shows the debt-free month, total interest, transfer fees and total paid, side by side. A red warning appears when a promo balance will not be paid off by its end date, with the payment per month that would clear it.

It handles balance-transfer fees and US “no interest if paid in full” store cards, where all the back interest is added if anything is left on the end date. The guide explains the difference with the CFPB’s own example.

Inside: an Excel workbook with live formulas (works in Google Sheets), an offline web tool with a printable summary, and a PDF quick-start guide. USD, GBP or CAD.

Estimates for planning only, not tax, legal or financial advice. Rules checked against official sources on 2 November 2026; check them before you act.