Estimated debt-free timeline
48 monthsProjection using entered terms, not a guaranteeYOUR NEXT CHAPTER
A clearer path out of debt.
Make a plan you can understand. Adjust it as life changes.
Save an encrypted cloud plan or download a file.
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Projected interest difference
$6,277Versus listed minimums without rollover; fees shown in the roadmapTotal outstanding
$48,6003 accounts · USDYour saved planEncrypted storage · tied to your signed-in account
Password-protected plan backup
Encryption and decryption happen in this browser. The password is not sent to the server. This backs up planning inputs, not bank access, subscriptions or passkeys.
Your next steps
YOU MAKE THE PAYMENTSReplace sample accounts first. Add your mortgage from the Mortgage worksheet, enter income and essential spending in Cash flow, then review this monthly plan.
Customize your dashboard
Guidance, preferences and check-ins are included when you save your cloud plan or download a plan file.
Choose your debt-free target
This solves for a recurring extra payment using the selected debt order, entered rate changes, minimum-payment rules, payment rollover and the entered one-time payment.
Extra needed: $0.00/month
Monthly budget room: $485.00
The target fits the entered monthly budget. Check payment dates and cash availability below.
Changing balances, income, expenses or the strategy immediately recalculates the plan.
This month’s payment checklist
Pay each required amount by its lender due date. Direct the additional amount to the listed account after checking cash timing. These are estimates; obtain a lender quote for a final payoff.
| Account | Required P&I | Additional principal | Total P&I | Due day (confirm) | Projected balance |
|---|---|---|---|---|---|
| Credit card | $250.00 | $250.00 | $500.00 | $8,060.30 | |
| Auto loan | $390.00 | $0.00 | $390.00 | $15,897.75 | |
| Student loan | $275.00 | $0.00 | $275.00 | $23,827.00 |
For your mortgage
- Keep the required mortgage payment and escrow current.
- Ask your servicer how to designate additional money as principal and whether your loan has a prepayment charge.
- Submit the principal payment through your lender. This app does not transfer money.
- Check the next statement to confirm the principal reduction, then enter the actual balance below.
When could you make the extra payment?
In Cash calendar, start on the first of this plan month and enter all take-home pay, living expenses, escrow and other cash movements. Omit debt principal/interest and the monthly reserve contribution here: this check adds them. Forecast at least 31 days. It assumes withdrawals clear before deposits on the same day and does not model bank processing delays.
Timing is on hold until you confirm the calendar, enter every due day, align its start month and resolve any monthly budget shortfall.
Monthly check-in & automatic replanning
After all payments for 2026-10 post, enter the total paid and closing statement balance for every account. Balances are authoritative: the app will not guess interest, fees or new purchases by subtracting a payment. Update any changed APR or required payment in the planner.
| Account | Actually paid this month ($) | Statement closing balance ($) |
|---|---|---|
| Credit card | ||
| Auto loan | ||
| Student loan |
0 of 120 check-ins recorded. A completed month cannot be submitted twice.
Plan for future decisions
Model a raise, new recurring expense, windfall, cash purchase or new loan at a chosen month. Income and expense changes persist. Cash purchases reduce that month’s debt budget; the scenario stops if required payments cannot be covered. New loans consume the same budget. These scenarios do not change your current plan.
Scenario: 48 months until all modeled debts and events are complete. Interest: $7,134.99 · fees: $0.00.
Redirect freed payments into savings
Using the savings assumptions in Build wealth, this projection adds any unused part of the $1,165.00 monthly debt budget to savings as debts clear. It starts with $10,000.00, adds the separately funded $250.00 monthly savings contribution and assumes 4% annual return.
After 10 years: $146,580.16 · contributions including starting savings: $124,065.01.
Use a savings contribution that does not duplicate the debt budget or reserve contribution. This is a hypothetical projection, not an investment recommendation. Returns, taxes, inflation and fees can change the result. No money is invested automatically.
An educational planning beta. Estimates are not personalized financial advice. Bank connectivity requires configured Plaid access and your consent. No payments, credit applications or human coaching are included. Projections stop at 600 months or a $10 billion account balance. Student loan forgiveness and lender-specific payment allocation are not modeled. Dedicated mortgage and HELOC worksheets state their own assumptions. Read the assumptions ↗