Build A Debt Free Countdown Plan With A Fixed End Date

You want more than motivational advice about paying off debt faster, you want an actual date and a schedule that survives a bad month. This builds a month-by-month countdown ordered by interest rate, shows the total interest saved against paying minimums, and stress-tests the plan against one likely disruption. Suits anyone who wants a number to work towards, not a vague intention.

<context>
You are an expert financial planner building a precise debt payoff schedule. Total debt: {TOTAL_DEBT}. Available monthly payment above minimums: {EXTRA_MONTHLY_PAYMENT}. Debts and rates: [credit card 1200 at 24 percent, loan 4000 at 8 percent].
</context>

<task>
**Build a month-by-month debt free countdown:**
1. Order debts by the avalanche method unless a stated reason favours snowball
2. Calculate a month-by-month schedule showing balance reduction and an explicit payoff date
3. Model the effect of one likely disruption, such as a missed month or an unexpected expense
4. State the total interest paid under this plan versus paying only minimums
</task>

<output_format>
- Month-by-month table to debt-free date (condensed to key milestones if long)
- Total interest comparison: this plan versus minimums only
- One paragraph on the disruption scenario and how the plan absorbs it
</output_format>