Architect Your Fastest Debt-Free Date
Start by adding what you owe. We'll calculate your fastest path to zero and build your 12-month payoff blueprint—100% private, zero bank sync required.
Add your debtsThree Proven Strategies, Side by Side
Standard loan amortization calculators only evaluate a single loan. LEVEL models your entire debt portfolio and automatically rolls freed-up minimum payments into your next target.
1. Debt Snowball Method
Smallest Balance First
Orders your accounts from smallest balance to largest balance. Eliminating individual bills quickly builds fast psychological momentum.
Primary Sort Criteria
Lowest Balance ($)
2. Debt Avalanche Method
Highest APR First
Prioritizes your debts from highest APR to lowest APR, mathematically guaranteeing the lowest total interest paid over your payoff timeline.
Primary Sort Criteria
Highest APR (%)
3. Dynamic Blitz Protocol
Daily Dollar Interest Bleed
Our proprietary hybrid engine recalculates every month to attack the account costing you the highest actual daily dollar interest bleed.
Primary Sort Criteria
Daily Interest ($/day)
Built for Privacy & Real-World Execution
Zero Bank Login Required
Never share your banking credentials with third-party aggregators. Enter balances, APRs, and minimum payments manually in under four minutes.
Brick-by-Brick Monthly Roadmap
Log each month's payment as a completed brick, simulate extra monthly payments in the Plan tab, and track promotional 0% intro APR expirations automatically.