Personal Debt Repayment Planner
Put every loan and card due in one list, add whatever extra you can pay, and see the fastest route to zero.
QUICK ANSWERPay the minimum on every debt and put any extra on one debt at a time: highest interest first (avalanche) saves the most; smallest balance first (snowball) closes accounts sooner. When one closes, its EMI rolls into the next.
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Want this synced, automatic and collecting payments?
- Same workflow in a free FastFee account, on every device and for your whole team
- Automatic WhatsApp reminders before and after due dates
- Payment links, UPI and AutoPay with auto receipts and live “paid” status
What you get free in the Personal Debt Repayment Planner
- ✅ Avalanche & snowball
- ✅ Debt-free date
- ✅ Interest saved
- ✅ EMI roll-over
- ✅ Payoff order
How to use the Personal Debt Repayment Planner
- STEP 1Enter your numbersEach debt’s balance, interest rate and EMI, plus extra per month.
- STEP 2Read the resultDebt-free date, payoff order and interest saved.
- STEP 3Share or saveShare the result on WhatsApp or save it as PDF.
Frequently asked questions
Should I prepay a home loan or a credit card first?
The credit card, almost always. Card interest is 36–42% a year versus 8–10% on a home loan.
Is this tool free? Do I need to sign up?
Yes, it is completely free with no login and no limit on entries. Signing up for FastFee is optional. The free plan keeps your records synced across devices; automatic WhatsApp reminders, UPI AutoPay and team logins are on FastFee Premium.
Where is my data stored?
Only in your browser on this device (local storage). Nothing is uploaded to FastFee. Clearing browser data deletes it, so export a CSV or PDF backup regularly.
Need the full software?
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