Debt Snowball Payoff Order Calculator

WHAT IT DOES

This userscript helps you create a debt payoff plan by analyzing your debts and recommending the optimal payoff order. It scans any webpage for text-based lists of debts—creditor names, balances, interest rates, and minimum payments—then generates a debt snowball or avalanche payoff order plan. It extracts debt details from the page, allows users to add or edit debts, and calculates the optimal payoff order using the snowball method (smallest balance first) or avalanche method (highest interest first). The script projects the total interest saved, shows the payoff timeline, highlights the payoff order, and exports the plan as CSV or HTML. It also suggests extra payment amounts to accelerate debt payoff and shows the impact of different strategies.

WHERE IT RUNS

The script works on any webpage with debt lists—credit card statements, loan summaries, bank websites, or any page with balances and rates. It runs entirely within your browser, reading only the visible content of the current page. It does not track your browsing history, access other tabs, or send any data externally. All debt data is processed and stored locally.

HOW TO USE

After installation, open the panel by clicking the tool's icon in the BotGentz sidebar. Click "Scan page for debts" to extract creditors, balances, interest rates, and minimum payments from the current page. Choose your method—Snowball (smallest balance first) or Avalanche (highest interest first). Add an extra payment amount to see how it accelerates your payoff. The plan shows the payoff order, total debt, payoff months, total interest, and a payoff timeline chart. Manually add debts using the "Add Debt" form. Use the export dropdown to choose your format—CSV or HTML (report). Click "Export" to download.

THE TECHNICAL MECHANISM

This script uses two debt payoff strategies. The snowball method sorts debts by balance (smallest first), providing psychological wins. The avalanche method sorts by interest rate (highest first), mathematically minimizing total interest. The payoff simulation runs month-by-month: minimum payments are applied to all debts, then any remaining monthly budget is applied to the first debt in the order (the one being targeted). Extra payments accelerate the process. The simulation tracks total interest paid, total debt reduction, and the number of months to payoff. The timeline chart shows the remaining debt at regular intervals. The export generates CSV with the payoff order and summary, or HTML with a styled report. All data is persisted using GM_setValue.

THE PANEL

The panel is draggable anywhere on the screen and remembers its position between sessions. It can be collapsed to a small floating bubble to minimize distraction, and expanded again with a single click. The panel's width can be adjusted, and pressing the Escape key closes it instantly. All settings and debt data are persisted locally using GM_setValue, so your plan remains intact across page reloads and browser restarts.

PLEASE NOTE

This userscript requires the free BotGentz extension to function. The script extracts figures from page text—it may not capture all numbers correctly. Review and adjust extracted data as needed. The calculations are estimates based on the data provided and assume rates remain constant. The script does not access external APIs or store any data outside your browser. No data from your browsing is stored or transmitted anywhere—all processing occurs entirely in your browser.