DEBT & CREDIT
Pay off debt smarter,
not just faster.
A full debt command center — payoff plans, method comparisons, balance-transfer analysis and monthly progress tracking.
Debt Avalanche
Pay minimum on all debts. Direct every extra dollar to the highest-rate balance. Mathematically optimal — saves the most money.
Debt Snowball
Pay minimum on all debts. Direct every extra dollar to the smallest balance. Produces quick wins that sustain motivation.
Custom Order
Rank debts by any mix of rate, balance, emotional weight or timeline. The command center supports any order you choose.
FLAGSHIP TOOLS
Build a plan you'll actually stick to.
Debt Payoff Command Center
Enter all your debts — credit cards, student loans, auto, personal — and build a month-by-month payoff plan. Track balances, see interest avoided and get next-payment recommendations.
Snowball vs Avalanche
Compare the debt-avalanche (highest-rate first) against the debt-snowball (smallest-balance first) on total interest saved, payoff date and monthly momentum.
MONTHLY TRACKING
Watch your debt shrink, month by month.
The payoff command center isn't just a calculator — it's a recurring planner. Update your balances monthly and watch the interest-avoided counter climb.
ALL DEBT TOOLS
Every debt decision covered.
Credit Card Payoff
See total interest cost and exact payoff date for any balance, rate and payment.
Minimum Payment Trap
Reveal the true cost of making only minimum payments over time.
Balance Transfer Savings
Calculate whether a 0% offer saves money after transfer fees and the promotional window.
Debt Consolidation Savings
Compare a consolidation loan against keeping separate accounts on rate and timeline.
Pay Debt vs Invest
Find the crossover point between guaranteed debt savings and expected market returns.
Student Loan Payoff
Compare standard, income-driven and extra-payment plans with remaining-balance countdown.
Auto Loan Affordability
True cost of vehicle ownership including insurance, maintenance and opportunity cost.
Credit Utilization Planner
Find the optimal balance to target on each card to hit your score goal.