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Debt payoff planner

Repo-linked (EBLR): your rate rises by the same 0.25% at the next reset date, unless your lender holds back some of it. Resets happen at least once every three months, so expect the change within about three months of 7 October.
MCLR-linked: your lender's own cost of funds drives the rate and it resets on its own date, often every six or twelve months. The effect arrives later and may be smaller. Our guide to [[blog:eblr-vs-mclr-home-loan|EBLR and MCLR]] explains the difference.
Fixed rate: nothing changes until the fixed period ends.

Add up to three debts and an extra amount each month. See how much sooner you are debt free, and which order saves the most.

Estimate. Assumes fixed rates and no new borrowing.

Common questions

Avalanche or snowball: which is better?

Avalanche (highest rate first) costs less interest. Snowball (smallest balance first) gives quicker wins. Both beat paying minimums only.

What if my minimum is less than the interest?

The debt never clears. Raise the payment above the monthly interest.