Debt-free by
When each 0% deal ends. Every deal gets enough each month to clear before its end date, before any extra goes on the snowball.
The debts where a 0% balance or money transfer would save the most, and what deal to look for. It doesn't pick lenders: compare offers yourself, and use a soft-search eligibility checker first, which doesn't affect your credit score.
Put in an offer and see what it saves you after the fee.
Savings assume the same monthly amount and order. Loans can have early repayment charges, so check before moving one.
Each band is one debt. The top band clears first. Dashed lines mark when a 0% deal ends.
When one is paid off, its minimum rolls into the next. That's the snowball.
Same money each month, two different orders.