Compare Standard, Avalanche, and Income-Driven repayment side by side using your real servicer-reported balances, not an estimate.
Modeling standard, avalanche, and income-driven timelines side by side, with your real balances, lets you actually compare repayment plans instead of guessing which is better.
Backed by a 30-day money-back guarantee. If it is not useful, we will refund it, no questions asked.
Standard, avalanche, and income-driven repayment plans can produce wildly different payoff timelines, but most calculators estimate the numbers instead of tracking what your loan servicer actually reports. Because federal loan interest capitalization and income-driven recalculation rules are genuinely complex, this planner tracks your real servicer-reported balances rather than trying to re-derive them.
Pull your current balance for each strategy from your servicer's dashboard, or track one loan under all three hypothetical strategies to compare. Log your payment amount and resulting balance side by side for Standard, Avalanche (extra payment to the highest-rate loan), and Income-Driven each month, then compare the three columns every few months to see which strategy is actually working fastest for your real numbers.
We built this after seeing too many payoff calculators promise a precise timeline based on assumptions that don't match how federal loan servicing actually works. Your servicer's numbers are the real numbers; this planner is built to track those, not replace them with a guess.
— DaveWays
Tracks the balances your loan servicer actually reports instead of re-deriving complex capitalization and recalculation rules.
Standard, Avalanche, and Income-Driven balances sit next to each other so you can see which is actually working fastest.
A reminder to revisit your income-driven payment estimate each year, since it changes with income and family size.
Does this calculate income-driven payments for me?
No, income-driven payments are calculated by your loan servicer based on your income and family size; this planner tracks the resulting balance so you can compare it against other strategies.
Can I use this for private student loans too?
Yes, log private loan balances and payments the same way; the Avalanche and Standard comparisons work regardless of loan type, though Income-Driven repayment is a federal-loan-specific option.
How often should I update the sheet?
Monthly is enough to see the trend clearly; update your income-driven estimate annually since that's when it typically recalculates.
Student Loan Payoff Planner (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Student Loan Payoff Planner is $16.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
