EastStar

Debt payoff calculator

See how each payoff strategy changes your finish line.

Add your debts once, then compare minimum payments, avalanche, snowball, and a priority order you control.

Use the calculator Review the assumptions

Multiple-debt planner

Build one scenario. Compare four paths.

Use the same balances, rates, and payment budget to see how payoff priorities affect timing, interest, and your first completed debt.

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 the extra payment

Minimum payments form the baseline. The other methods direct this extra amount by their payoff priority.

Methodology and assumptions

EastStar applies monthly interest before payment, divides APR by 12, rounds modeled interest to cents, applies required payments, and then applies extra money by the selected method. When a debt closes, its former minimum payment stays in the modeled debt budget for the next eligible debt.

Education-only disclosure

Results are estimates based on your inputs. They are not financial advice, a lender recommendation, a payoff quote, or a guaranteed outcome. Actual lender rules, fees, new charges, rate changes, and payment posting can change results.