Pay off debt in months, not years — see exactly when
Avalanche, snowball, or minimum-only — WIMM models all three so you can see the real payoff date for each. Add a what-if extra payment and watch the timeline shrink.
Three strategies, side by side
Avalanche (highest rate first), snowball (smallest balance first), or minimum-only (proportional redistribution as debts pay off). Each strategy shows projected payoff date and total interest.
What-If playground
Slide an 'extra monthly payment' bar and watch the chart update in real time. Compare scenarios, save the ones you like.
Action plan
WIMM tells you exactly which debt to attack this month, why, and the projected payoff date. No guessing.
AI strategy advice (Premium)
Get AI analysis of your debt mix with negotiation talking points for high-rate cards.
Frequently asked questions
Is avalanche always better than snowball?
Mathematically yes — you save more interest. Psychologically, snowball can be more motivating because you see early wins. WIMM lets you compare both and decide.
What if I can't afford the minimum payments?
WIMM flags unpayable debts (where the minimum is less than monthly interest) and suggests negotiating rates or consolidation.
Can I include hypothetical debts?
Yes — toggle 'hypothetical only' in the What-If tab to model debts you're considering taking on without saving them to your account.
Does WIMM connect to my loan accounts?
Yes via Plaid for major lenders. For private debts (family loans, etc.) add them manually.
Try Debt Reducer today
The demo includes this feature with realistic data. No signup required.