Complete Debt Payoff Calculator

No — Gross Monthly Income measures zero effect on Months to Payoff, Total Interest, Total Debt, or any of the Snowball/Avalanche/Hybrid strategy outputs; it only feeds the separate Debt-to-Income Ratio calculation (line 230), which is reported alongside the payoff plan but does not change how the payoff simulation runs.

Because at this calculator's own default two debts, Debt 1 has both the smaller balance ($5,000 vs $12,000) and the higher rate (22% vs 6.5%), so Snowball's smallest-balance-first rule and Avalanche's highest-rate-first rule sort Debt 1 to the front identically — the two strategies produce the same payoff order and the same total interest, so the difference is exactly zero rather than approximately zero, and stays zero across a ±10% probe on any input.

Debt 1 Balance — its ±10% span is about 45% of Interest Saved (vs minimums) — ahead of Debt 1 Min Payment (about 36%) and Debt 1 Interest Rate (about 33%) — because Debt 1 is the debt the extra payment accelerates first under both strategies at these defaults, so its own balance sets the scale of how much faster it can be retired.

No — Consolidation Loan Rate and Consolidation Loan Term both measure zero effect on Months to Payoff, Snowball Months, Avalanche Months, or Total Interest; they only feed the separate consolidation-loan comparison (Consolidation Monthly Payment and Consolidation Savings), which the calculator uses to recommend whether a consolidation loan beats your current payoff strategy, not to run the payoff simulation itself.

It's five fixed bands off the same DTI Ratio percentage: 20% or below is rated Excellent, up to 36% is Good, up to 43% is Acceptable, up to 50% is High, and anything above that is Very High (lines 235-239); at this calculator's own defaults, a $400 total minimum payment plus $200 extra against $6,000 gross income works out to a 10% DTI, landing solidly in the Excellent band.