Debt-Free Planner

Yes — add each debt separately with its own balance and APR. The avalanche and snowball strategies then tell you which to attack first.

Log the new balance on any month. The planner replans the remaining months from there automatically.

Avalanche (highest APR first) saves the most interest. Snowball (smallest balance first) gives faster psychological wins. The planner supports both — pick whichever you'll actually stick with.

Include credit cards, personal loans, medical balances, auto loans, student loans, and any other balance with a payment and interest rate. Keep minimum payments current on every debt before sending extra money to the target debt.

Usually yes, at least enough for a small emergency buffer and any employer match you would otherwise miss. After that, high-interest debt often deserves the extra dollars before larger savings goals.