Your payoff journey — each debt knocked out, in order, with the freed-up minimum rolling to the next.
Snapshot
Where each debt stands right now
Income Sources
Add each deposit and how often it recurs. The planner maps deposits onto a real calendar so it knows exactly when money arrives going forward.
Monthly Payment Budget
How much to put toward debts each month. Minimums are always covered first; anything extra accelerates payoff.
Each month pays everything deposited that month minus what you set aside. Months with an extra paycheck automatically send more to debt.
Debts
Add every debt with its balance, APR, and minimum payment.
For % minimums, the "Min payment" field above is used as the dollar floor. Leave intro APR blank for normal debts.
Payoff Strategy
Pick how extra payments are prioritized.
🏔️ Avalanche
Highest APR first. Pays the least total interest.
⚡ Snowball
Smallest balance first. Fastest visible wins.
🎯 Custom
Drag debts into the exact order you want.
Drag to set payoff priority (top = paid off first):
Extra / One-Off Payments
Drop a lump sum into a specific month — a tax refund, bonus, or windfall. It's applied on top of your normal budget that month.
Plan Timeline
Your month-by-month plan begins here. Change the start month to shift the whole timeline, or start fresh when a month is fully paid.
Start fresh here rolls each debt forward to its current remaining balance, clears past payment tracking, and restarts the plan at the month above — keeping your debts, income, and strategy. Use it after a month is done.
Debt-Free Date
—
Months to Payoff
—
at current plan
Total Interest
—
Strategy Comparison
Same budget, three approaches — from your current balances. The best is highlighted.
Month-by-Month Plan
Click any month to see per-debt allocations and the date-aware payment schedule.
What-If Simulator
See how extra money changes your payoff — instantly. Nothing here is saved; it's a sandbox.
New Debt-Free Date
—
Time Saved
—
vs your current plan
Interest Saved
—
Side by Side
Current plan vs the what-if scenario.
Target-Date Solver
Pick a debt-free goal and Runway finds the fixed monthly payment that gets you there.
Track Payments
Each debt is its own bill — check it off as you pay, log the amount, and add a note. Everything saves on the spot and your plan re-adjusts automatically.
Progress vs Plan
How your tracked payoff compares to the original projection.
Runway
Sign in to access your plan.
✕
☁ Cloud Sync
Sync Runway across your devices with a free Supabase backend. Your data is stored in your own Supabase project, protected by your login.
Not configured yet.
First-time setup (about 5 minutes):
Create a free project at supabase.com.
In the SQL editor, run the setup script (button below).
Project Settings → API: copy the Project URL and anon public key into the fields above.