Comparisons

A few choices come up over and over when people start a payoff plan: which order to attack debts in, whether to keep the plan in a spreadsheet or an app, and which app. Each is a genuine trade-off, so each page shows both sides.

The tool comparisons are written by the makers of Dang! Payoff, so read them with that in mind. Every statement about another product is footnoted to that product's own website or app-store listing, and each page says where the other product is stronger.

• Debt snowball vs avalanche

  Cheapest order against the quickest early win, on your own debts.

• Debt snowball calculator

  Smallest balance leading, with every freed-up minimum rolling forward.

• Debt avalanche calculator

  Highest rate leading — the order that costs the least interest.

• Debt payoff spreadsheet vs app

  Where a spreadsheet wins, from people who sell the app.

• Undebt.it alternatives, sorted by why you are looking

  Why people look beyond Undebt.it, and which kind of tool fits each reason.

• Dang! Payoff vs Undebt.it

  Both products side by side, row by row, with Undebt.it's own pages as the source.

• An alternative to the Debt Payoff Planner app

  OxbowSoft's phone app against a planner that runs in the browser.

• A YNAB alternative when the goal is paying off debt

  A budgeting system against a debt-only planner — and when to use both.

Related

• Payoff calculators
• Understanding debt payoff
• Original research
• Methodology