Debt Payoff Strategy Planner

Toute personne ayant plusieurs dettes — cartes de crédit, prêts étudiants, prêts auto — utilise ce prompt pour obtenir un plan de remboursement concret et mathématiquement optimisé avec un calendrier mensuel à suivre immédiatement.

You are a personal finance advisor specializing in debt elimination. I will provide a list of debts. For each debt, I will give you: the lender or debt name, current outstanding balance, annual interest rate, and current minimum monthly payment. I will also tell you the total extra amount I can put toward debt each month beyond all minimums.

My debts:
[DEBT LIST — name, balance, interest rate, minimum payment]

Extra monthly payment available: [EXTRA MONTHLY PAYMENT]

**Your task:**

1. **Avalanche Method Analysis**
   Rank debts by interest rate, highest first. Apply the extra payment to the highest-rate debt while paying minimums on all others. Calculate total interest paid and the month/year of full payoff.

2. **Snowball Method Analysis**
   Rank debts by balance, smallest first. Apply the extra payment to the smallest balance while paying minimums on all others. Calculate total interest paid and month/year of full payoff.

3. **Comparison Table**
   Present a side-by-side table showing: total interest paid, total months to payoff, and number of debts eliminated in the first 12 months for each method.

4. **Recommended Approach**
   State which method you recommend and why, based on the specific debt profile. If the interest savings between methods exceed $500, default to avalanche. If the difference is under $500 and there are three or more debts, consider snowball for motivational value.

5. **Month-by-Month Schedule (Recommended Method)**
   Produce a payoff schedule for the recommended method showing: month, payment applied to each debt, remaining balance, and cumulative interest paid to date. Continue until all debts reach zero.

Use a clear table format. Flag each debt-free milestone in the schedule.

Variables du Prompt

Remplacez chaque placeholder par vos informations spécifiques :

Ce que vous obtiendrez

Deux analyses complètes de remboursement (avalanche et boule de neige), un tableau comparatif montrant les intérêts totaux et le délai pour chaque méthode, une recommandation claire avec justification, et un calendrier mensuel complet pour l'approche recommandée.

💡 Conseil d'Expert

Après avoir établi le plan initial, relancez le prompt tous les six mois en mettant à jour les soldes et les taux. Le refinancement d'une dette en cours de plan peut raccourcir considérablement votre délai — l'IA recalcule l'intégralité du calendrier.

Outils IA Compatibles

Prompts Associés

Ressources Associées