← Back to Debt Payoff Planner

Debt Planner

Sources / Last Updated

A compact record of methodology sources, assumptions, and review status.

Last updated

July 17, 2026.

Calculation sources

The MVP uses standard amortization concepts: monthly interest accrual, minimum payments, extra principal payments, and deterministic payoff ordering for Snowball and Avalanche scenarios.

Known limitations

The calculator does not model lender-specific daily accrual, late fees, promotional APRs, balance transfers, changing minimum payments, credit score effects, taxes, or hardship programs.