Empower
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Empower's debt paydown tool lets you model different repayment strategies across credit cards, personal loans, mortgages, and other debts. You input your balances, rates, and minimum payments, then see visualizations showing how quickly you'd clear each debt under different scenarios (paying minimums, aggressive payoff, snowball, or avalanche methods). The calculator updates in real time as you adjust payment amounts.
Best for people who want a simple calculator to compare payoff strategies without committing to a full budgeting app or account linking. It works well if you track your own accounts elsewhere and just need a clear picture of how different payment plans affect your timeline to debt freedom.