Emergency fund and debt payoff calculator
Three steps in one plan: a starter fund first, then debts from the smallest balance (the snowball), then a full emergency fund. The calculator works month by month, interest included.
Enter your savings, monthly core costs, what you can pay beyond the minimum payments, and up to three debts with their interest rates.
Peace of mind calculator: emergency fund and debt snowball
See when you will have a starter buffer, zero consumer debt and a full emergency fund.
Housing, food, bills, transport — no extras.
Frequently asked questions
How big should an emergency fund be?
Start with about $1,000, then aim for 3–6 months of core costs — more if your income is irregular.
Snowball or avalanche?
The snowball pays the smallest balance first for quick wins; the avalanche starts with the highest rate and costs less interest. Both work if you stick to the plan.
Does the calculator store my data?
No. It runs only in your browser — no cookies, no account, nothing is sent.