EastStar

Target-date payoff calculator

See what your target date asks of each payoff strategy.

Choose a date from the calendar, then compare the modeled monthly payment for avalanche, snowball, and your own priority order.

Solve by date Compare payoff methods

Deadline planner

Compare paths to the same deadline

EastStar solves for the smallest whole-cent extra payment each payoff priority needs to reach the month containing your selected date.

Your numbers stay in this browser session. No account or bank connection is required.

Step 1

Add your debts

Their displayed order is also your custom payoff priority.

Step 2

Set your target

Choose a calendar date in a future month. Because this calculator models monthly payment cycles, every date in the same month produces the same modeled plan.

How the solver works

The calculator maps your selected date to its calendar month, then repeatedly runs the forward payoff model to find the smallest monthly extra payment that closes all entered debts in that cycle. It does not estimate an exact lender posting day.

Feasibility and alternatives

Some target dates are too soon for the supported model. If that happens, choose a later month or revise the inputs. Modeled alternatives are estimates for comparison, not recommendations.

Turn the target into momentum

Once you find a payment path that fits, try EastStar on iPhone to keep goals, scenarios, and progress together.