Paying off multiple debts is a math problem with a psychology problem riding on top: the avalanche method saves the most interest, the snowball method keeps you motivated by clearing small balances first, and most people fall off because a spreadsheet doesn't update itself or make progress feel real. One-off online calculators answer the question once and then forget you.
Describe your debts and which method you want to follow, and WyberAi builds a live tracker: every debt with its balance, rate, and minimum payment, an extra-payment field that lets you see the payoff date move when you throw more at it, and a progress bar per debt that fills as the balance drops. It recalculates every time you log a payment — the plan stays honest instead of going stale in a downloaded spreadsheet.
What your debt payoff tracker needs — and gets
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All debts in one place
Credit cards, loans, and balances with their interest rate and minimum payment — the full picture in one list.
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Snowball or avalanche
Pick smallest-balance-first or highest-interest-first, and the app orders your payoff priority accordingly.
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Extra-payment projections
Add extra to any month and see the payoff date and total interest recalculate immediately.
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Progress bar per debt
Each debt shows original balance versus remaining — the visual that keeps momentum through a long payoff.
From idea to live app in three steps
01
Describe it
Paste the starter prompt below (or write your own) — screens, data, and rules in plain English.
02
AI engineers it
WyberAi generates the full app — UI, database schema, auth — self-heals build errors, and runs a live security scan.
03
Publish it
Preview instantly, refine in chat, then publish to a live URL (or your own domain) when it's right.
Starter prompt — engineered for this build
The exact prompt to build your debt payoff tracker
Build a debt payoff tracker web app: a Debts page listing each debt with balance, interest rate, and minimum payment, orderable by snowball (smallest balance first) or avalanche (highest rate first); a Plan page where I enter an extra monthly payment amount and see a projected total payoff date and interest paid; and a Progress page with a bar per debt showing original balance versus current balance.
Questions people ask about building a debt payoff tracker
Which method should I use, snowball or avalanche?+
Avalanche saves more interest mathematically; snowball tends to keep people motivated with early wins. The tracker supports either — switch anytime and the payoff order updates.
Does it recalculate when I make a payment?+
Yes — log a payment against any debt and the remaining balance, progress bar, and projected payoff date update immediately.
Can it account for different interest rates changing over time?+
Add a rate-change field if you have a promotional rate ending, and describe the schedule in your prompt — the projection follows it.
Is this different from a one-time payoff calculator?+
Yes — this is a living tracker tied to your actual balances and payments, not a static result you have to manually recompute every month.
Start building for free — 50 credits/month
No credit card required. Your debt payoff tracker live in minutes.