Debt payoff guide
Turn scattered debt into one clear next payment.
Smart Debt Flow helps you organize balances, compare payoff methods, and keep BNPL installments from becoming invisible debt.
Payoff checklist
Use this order before sending extra cash.
List every balance
Include credit cards, loans, medical bills, and BNPL installments so the plan starts from your real total.
Pick your payoff order
Use avalanche to reduce interest fastest, or snowball when quick wins will help you stay consistent.
Protect the minimums
Keep every account current first. Extra payments only work when late fees and missed-payment marks stay out of the way.
Review monthly
Recalculate after a payoff, a new BNPL purchase, or an income change so the next best move stays obvious.
Snowball
Pay the smallest balance first. Best when momentum and motivation matter more than pure interest savings.
Open guideAvalanche
Pay the highest APR first. Best when you want to minimize total interest and can stick with slower early wins.
Open guideBNPL tracking
Separate short installment plans from long-term debt so surprise due dates do not distort your budget.
Open guideModel the tradeoff
Compare payoff dates and interest cost before choosing where extra payments go.
Keep it current
Minimums, due dates, and BNPL installments belong in the same view.
Use trusted inputs
Revisit your plan when rates, balances, or income changes make yesterday's answer stale.