Debt Calculators

Your Money Blueprint

About this app

Debt Calculators helps you take control of what you owe and find the fastest, cheapest way to become debt-free — with two proven payoff strategies you can compare side by side.

WHAT'S INSIDE

Debt Snowball — Pay off your smallest debts first to build momentum and motivation. See your full payoff timeline and the total interest you'll pay along the way.

Debt Avalanche — Target your highest interest rate debts first to minimise the total interest you pay overall.

Snowball vs Avalanche — Enter your debts once and compare both strategies side by side, so you can see the trade-off between quick wins and lowest total cost, and choose the approach that suits you.

WHO IT'S FOR
Anyone with multiple debts — credit cards, loans, hire purchase or otherwise — who wants a clear plan to pay them off faster and pay less interest getting there.

IMPORTANT
These are educational tools to help you explore scenarios and understand concepts. They do not provide personalised financial advice or recommendations. Results depend on the figures and assumptions you enter and are estimates only. For advice specific to your situation, speak with a licensed financial adviser or a debt-support service.

Built by a licensed financial adviser.

What’s new

Initial release