Debt Payoff Calculator

Snowball or avalanche? Enter your debts and see both strategies side by side — total interest paid, months to freedom, and the order every debt falls.

401(k) Limit 2024$23,000(+$7,500 catch-up 50+)

Roth IRA Limit$7,000(MAGI phase-out applies)

S&P 500 Avg Return~10%/yr(nominal, historical)

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