Afterpay, Zip, and mates.
Balance
Rate
Min / wk
No leak at 0%. It just sits until you knock it.
Playgrounds · Debt
See what a loan actually costs week to week
Stack the piles. Push extra. Watch them fall, and keep the gold that would have leaked.
Slide or type the extra. Snowball vs avalanche run at the same time so you can pick a plan.
The extra push
On top of the mins. Slide it or type it. Watch the plan move.
$40 extra. That’s a night in, redirected.
The gold band
Same piles. The gold is interest that never leaves if you push.
$2,302
Paid $1,507
Kept $2,302
Still paid $1,507Kept $2,302
Freedom date
Apr 2029
Ghost mark is minimums only. Extra slides you left. Free sooner.
NowFree
Two ways to aim it plus the long bar
Same mins on every pile. The extra is what changes aim: smallest first, or leakiest first. Tap a lane.
Avalanche keeps $275 more gold. Avalanche is 2 wks faster. Snowball knocks Afterpay first. Avalanche knocks Credit card first.
Knock-down order
When each pile actually falls. Dates move as you push extra.
Credit card
Dec 20271 year 2 months · 61 wks
First to fall.
Afterpay
Jan 20292 years 3 months · 117 wks
1 year 1 month after the last one.
Used car
Apr 20292 years 6 months · 130 wks
3 months after the last one.
Free
April 2029
Replay the knock-downs
Watch the pile shrink. Pause whenever.
Afterpay
Credit card
Used car
Credit card · Afterpay · Used car down · $0 left · 2 years 6 months · 130 wks in
Another $10 a week buys 3 months back and keeps $173 more gold.
Your piles
Try a sample, or start blank and type yours. Min is what you already pay each wk.
The leaky one.
Balance
Rate
Min / wk
Leaks $13.38 a wk at 21.74%.
Loan on wheels.
Balance
Rate
Min / wk
Leaks $13.07 a wk at 7.90%.
Add a pile. Amount starts at $0.
Figures are illustrative. Rates, fees, and HECS rules change. Educational only, not financial advice.
Want the words first? Owing money isn’t a vibe fail · Credit cards without the lecture · All playgrounds