Finance
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Enter multiple debts with balances, APRs, and minimum payments, then add an extra monthly amount to see snowball payoff order, timeline, and total interest.
Results are estimates for educational purposes and are not financial advice. Actual payoff timing depends on issuer policies and payment timing.
1. Add each debt with balance, APR, and minimum payment. 2. Enter an extra monthly amount. 3. Calculate to see payoff order (smallest balance first), months to debt-free, and total interest.
Example: a $1,200 card and an $8,000 loan with $100 extra per month—snowball pays the $1,200 balance before focusing extra on the larger loan.
Applies minimum payments to every debt, then sends extra payments to the smallest balance first. When a debt is paid off, its minimum payment rolls into the extra pool.
Results are estimates for educational purposes and are not financial advice. Actual payoff timing depends on issuer policies and payment timing.
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Each month accrues interest, applies minimum payments, then applies all extra cash to the smallest remaining balance. Paid-off minimums roll into the extra pool.
Yes. Utilnivo tools are free to use and do not require an account.
Utilnivo does not require an account. See the privacy note on this page for how your data is processed for this tool.
Open the tool on this page, enter your inputs, and use the on-screen controls. No account is required.
This tool is one step in a longer job. Follow a workflow guide to see what to do before and after.
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