Debt Payoff Planner

This template gives you a debt payoff planner app that looks professional and works the moment you open it. No sign-up, no backend, no spreadsheet formulas to maintain. You type in your debts, choose avalanche or snowball, enter your monthly budget, and the engine does the rest.

The technical parts are already handled. Amortization math, interest compounding, strategy comparison logic, URL-encoded state so you can share your exact plan with a partner or financial advisor. All of it done. You can focus on paying down what you owe.

What's included: a three-step guided wizard (your debts, your strategy, your budget), a results reveal with animated debt-free date and confetti, a what-if slider that recalculates your timeline in real time, a payoff order list, a balance-over-time area chart, an interest donut chart, a strategy comparison panel, a collapsible amortization table, CSV export, and print-to-PDF. Everything runs client-side from a single route.

Most debt payoff tools either cost $10 or more per month for a subscription, or force you into a rigid spreadsheet where one broken formula throws off every number. This template gives you the same math with a polished UI, no recurring cost, and a shareable URL that replaces an account system entirely.

Mapping out a multi-debt payoff timeline

When you're juggling credit cards, a car loan, and student debt, the hardest part is knowing which to attack first. Enter each balance with its APR and minimum payment. The engine orders them by your chosen strategy and shows you the exact month each one hits zero. You stop guessing and start following a concrete schedule.

Comparing avalanche vs snowball strategies

Avalanche pays the least interest. Snowball gives you quick wins. This debt payoff planner app runs both calculations and shows the dollar and month difference side by side. You can switch strategies with one click and watch the numbers update instantly. Pick the approach that fits your psychology, not a stranger's advice.

Running what-if scenarios before committing

Drag the budget slider from $700 to $900 per month and watch your debt-free date jump forward by over a year. The timeline chart, interest figures, and payoff order all recalculate live. This turns an abstract goal into a visible tradeoff: an extra $200 per month buys you 13 fewer months of payments.

Sharing a plan with a partner or advisor

Every input encodes into the URL. Click Share, send the link, and the recipient sees your exact debts, strategy, budget, and results. No account needed on either end. A financial advisor can review your plan without you exporting a file or scheduling a screen share.

Getting Started

1. Remix This Template

Open the template and click Remix. You get a working debt payoff planner app with three pre-filled example debts (a credit card at 22.9% APR, a car loan at 6.9%, and a student loan at 5.4%) so you can see the full results flow before changing a thing. If this template is not the right fit, you can remix a different one. No wasted work.

2. Customize Your Brand

Swap the indigo identity tint to match your brand color. The template ships with six tint options you can switch with a single attribute. Update the wordmark text in the top bar, adjust the gradient, and replace the cloud backdrop image if you want a different feel. Typography scales fluidly from mobile to desktop with no extra configuration.

3. Add Your Content

Replace the seed debts in src/data/seed.ts with defaults that match your audience. If you are building this for a financial coaching practice, pre-fill debts that reflect your typical client profile. Update the category list if your users carry debt types beyond the six included defaults. Every label and helper text string lives in the step components and is straightforward to edit.

4. Connect Your Tools

The template runs entirely client-side with no backend, but you can extend it. Add a Supabase project if you want users to save plans to an account. Wire in an email integration so users can send their plan summary to themselves. Connect analytics to track how visitors interact with the what-if slider. Each extension point is a single hook swap in the data layer.

5. Go Live

Deploy from Lovable with one click. Your debt payoff planner app gets a live URL immediately. Set up a custom domain if you are embedding this in a coaching site or financial education platform. The print stylesheet is already configured, so users who prefer paper can save a clean PDF from their browser.

This debt payoff planner app template works for anyone carrying multiple debts who wants a clear path to zero. You get accurate amortization math without building a spreadsheet, a shareable plan without creating accounts, and a polished interface without hiring a designer.

Three example debts are already loaded. Remix the template, replace them with your own numbers, and have a working plan in front of you this afternoon.