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Your Monthly Finances
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Your Debts
Add every debt — credit cards, loans, friends, mortgage, anything. Set minimum payment to 0 for informal debts.
Your Personalised Plan
Debt Payoff Map
Alert
Debt Breakdown
Each Debt at a Glance
Month-by-Month
Full Payment Schedule
Payoff Timeline
When Each Debt Disappears
Summary
Final Totals
Smart Strategies
Tips to Wipe Debt Faster
Avalanche Method
After minimums, throw every extra dollar at the highest-interest debt. Mathematically optimal — you pay the least total interest.
Snowball Method
Pay smallest balances first. Each debt you clear boosts motivation and frees up cash to attack the next one.
Find Extra Cash
Even a small extra payment each month can cut years off your timeline. Cancel subscriptions or pick up side income.