Snowball vs avalanche plan. Plan how to pay off credit cards and loans: get your debt-free date, the order your debts get cleared and the total interest, month by month.
https://plugins-worker.demos.42a.ai/debt-payoff/mcpSettings → Security and login → Developer mode → chatgpt.com/plugins → + → paste the URL. After a tool change: Refresh, then a new chat.
| Prompt | Tool | Expected |
|---|---|---|
| Snowball or avalanche? Visa $5,000 at 22.99% min $150, Mastercard $2,500 at 18.5% min $75. I can pay $500 a month | plan_debt_payoff | Avalanche leads: store card, Visa, then Mastercard, debt-free in 16 months (Feb 2028) with $1,294.37 interest; snowball takes 17 months and $82.10 more. |
| Debt snowball plan: car loan $8,000 at 6.9% min $250, credit card $3,200 at 24% min $96, medical bill $1,200 at 0% min $50, student loan $15,000 at 5.5% min $165. I have $900 a month. | plan_debt_payoff | Medical bill, credit card, car loan, then student loan: debt-free in 34 months (Aug 2029), $2,686.75 interest. |
| How long to pay off $12,000 on a credit card at 21% if I pay $500 a month? | plan_debt_payoff | 32 months (paid off Jun 2029) and $3,700.43 of interest. |
| Avalanche plan: personal loan $9,500 at 11.5% min $310, Amex $4,200 at 27.24% min $126. Budget $1,200 a month starting January 2027. | plan_debt_payoff | Amex is paid off first (Jun 2027), debt-free in Jan 2028 after 13 payments, $1,066.64 interest. |
| Is snowball or avalanche better for me? Card A $1,000 at 29.99% min $40, Card B $6,000 at 15.99% min $180, $450 a month. | plan_debt_payoff | Both methods target Card A first here, so they match: 18 months and $933.47 interest either way. |
| What will my monthly payment be on a $25,000 car loan at 7% for 5 years? | none | A single new loan payment is a loan calculator question, not a multi-debt payoff plan. |
| Should I consolidate my credit card debt with a personal loan or a balance transfer card? | none | Product advice with no debts listed to simulate. |
| How much will $10,000 grow in 10 years at 5%? | none | Savings growth, not paying off debt. |