Step 9 lets you choose Snowball or Avalanche. Both use the same monthly budget — only the order of attack differs.
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The Debt Destroyer step sorts your debts by your chosen strategy and simulates payoff over time. The Debt Freedom Chart below the strategy selector shows the exact order each debt clears, with per-row timeline bars and your "debt-free" date.
Sorts your debts smallest balance to largest. Select this tile if you need visible wins to stay motivated — you'll kill tiny debts first and roll their minimum payments into the next one.
Sorts by interest rate, highest first. Mathematically optimal for dollars saved. Select this tile if high-APR credit cards are costing you a lot each month.
Good to know
The "PRIORITY TARGET" sticker in the Debt Freedom Chart highlights the debt you're actively attacking with extra payments. When two debts finish in the same month, the chart shows the chronological order, not the priority order.
The Safety Net step sets your emergency fund target and tells Payday Audit how much to allocate each income deposit.
Step 8 helps you track workplace investing and employer match amounts that are already handled before your take-home income arrives.
Step 1 is the foundation of every calculation. Enter your net income, income frequency, and next income date so the rest of the wizard knows what it's working with.