Debt Payoff Planning

How It Works

Roo helps you build a debt payoff plan by organizing your debts and showing you the fastest path to being debt-free.

Add Your Debts

Enter each debt — credit cards, student loans, car payments, medical bills. For each one, Roo tracks:

• Current balance
• Interest rate
• Minimum payment

Choose a Strategy

Roo supports two popular payoff strategies:

• Avalanche — pay off the highest interest rate first. Saves you the most money over time.
• Snowball — pay off the smallest balance first. Builds momentum with quick wins.

Track Your Progress

As you make payments, Roo updates your payoff timeline and shows how much interest you’re saving compared to making minimum payments only.

Tips

• Even an extra $50/month toward debt can shave months off your payoff date.
• Once a debt is paid off, roll that payment into the next one.
• Celebrate milestones — paying off a debt is a big deal.