List every above-6% debt, pick avalanche or snowball, and add whatever extra you can send each month. This runs the actual month-by-month math — same logic Step 10 teaches — so you get a real payoff date, a real interest total, and proof of how much extra a small monthly amount saves you.
Pull this straight from your Step 2 Financial Snapshot. Include every debt — the calculator only fights the ones above 6% if you tell it to, but seeing everything in one place is worth it.
Avalanche saves the most money. Snowball builds momentum with faster wins. Either way, minimums get paid on everything, and every spare dollar attacks one target at a time.
On top of every debt's minimum. As each debt is wiped out, its freed-up minimum payment rolls into this pool automatically — the pool grows as the plan runs.
Estimate only. Assumes fixed rates, no new charges, on-time minimum payments every month, and that freed-up minimum payments are redirected rather than spent. Real payoff dates will shift with rate changes, fees, and life.