Organize open balances and monthly cash with a focused finance workspace. Record each fund balance with open capital, annual rate, required monthly amount, and payment day. Set the total amount available each month and compare two capital allocation routes using the same figures. The Snowball route focuses funds on the smallest balance, while the Avalanche route focuses funds on the highest rate. Side by side results reveal projected interest, completion month, principal decline, and the order in which every balance reaches zero. Record regular payments or one time extra amounts to revise the remaining schedule automatically. A detailed capital ledger separates principal and estimated interest, shows progress for each balance, and keeps the projected fund countdown visible. Saved comparisons, payment history, review notes, and clear visual summaries support consistent monthly financial reviews.