Even $50/month can shave years off your debt and thousands in interest.
Your money snapshot
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Total debt
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For debt monthly
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Surplus
Your first win
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Choose your payoff strategy
Highest interest rate first — saves the most money overall
Snowball
Smallest balance first · quick wins
Debt-free: —
Interest: —
Months: —
Avalanche
Highest rate first · saves most money
Debt-free: —
Interest: —
Months: —
Your payoff order
First 24 months shown
Power moves
Small changes, massive impact. See what's possible.
What if you paid even more each month?
Your plan already includes your extra payment from step 1. Use this slider to explore what happens if you find even more to put toward your debt on top of that.
Additional payment on top of your plan$0
← Drag left or right to adjust →
$0 more$500$1,000
Your results with this extra amount
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Months to payoff
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Debt-free date
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Total interest
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Additional interest saved
What if you negotiated a lower rate?
Select a debt, then drag the slider to see how a lower rate changes your total interest and payoff date.
Negotiated interest rate15.0%
← Drag left to lower the rate →
0%15%30%
Impact of rate change
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Interest at current rate
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Interest at new rate
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Interest saved
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Months saved
Tip: Call the number on the back of your card, mention you're a loyal customer, and ask for a rate review. Many issuers will reduce rates for customers in good standing.
How healthy is your debt load?
Your debt-to-income ratio (DTI) measures how much of your monthly income goes to debt payments — a key indicator lenders and financial coaches use to gauge financial health.
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Your debt-to-income ratio
0%Healthy <20%<36%High 36%+50%
Your debt-free date
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Years
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Months
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Days
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Ready to take the next step?
You now have your debt-free date. Let's build the system to get you there. The 90-Day Quick Start gives you the exact roadmap, and the Collective keeps you accountable every step of the way.