Tendor Debt Payoff Planner

Compare strategies, plan monthly and one-time payments, and build a private debt-free plan.

Debt is harder to escape when balances, APRs, minimum payments, and payoff ideas are scattered across separate lender statements. Tendor Debt Payoff Planner turns those numbers into one private month-by-month estimate for home users.

Compare the avalanche strategy, which targets the highest APR first, with the snowball strategy, which targets the smallest balance first. A custom order lets you choose your own priority. Minimum payments from cleared debts roll into the remaining plan instead of disappearing from the budget.

Test a recurring extra monthly payment and schedule one-time boosts for a tax refund, bonus, or other amount in a selected calendar month. The plan shows the one-time amount in the monthly schedule and includes it in estimated debt-free date, total interest, months saved, and interest saved. The minimum-only comparison removes every extra amount, so the reported difference remains meaningful.

The app warns when an entered minimum may not reduce a balance, waits for a future planned one-time payment before declaring a plan blocked, and rejects invalid or backdated one-time entries. Review the monthly schedule and export it to CSV, or export a plain-text summary for your own records. You can archive a debt without losing it, permanently delete an individual debt with explicit confirmation, or erase every local record.

There is no lender login, bank connection, cloud upload, advertising, analytics, or subscription. Your balances and plan remain in a local application data file on this PC. Results are planning estimates because lenders may use daily interest, fees, promotional rates, posting dates, and different rounding rules. The app does not make payments, negotiate debt, or provide financial advice.

Send feedback and reproducible problem reports to support@tendor-it.de. Complimentary individual support is not included.