Sign in with the account provided by your administrator.
Connecting…
Accounts are added manually. Contact your administrator for access or password help.
Enter your debts, choose how much you can put toward them each month, and compare payoff strategies. Then log your real balances each month to see how you're doing. Your plan saves securely to your account.
Your plan syncs to your account across devices. You can also save a backup file or load an existing plan into this account.
Add each debt’s current balance, interest rate, and minimum payment. Promo rates and custom payoff priorities are available under “More options.”
Add, rename, and remove your own lines. Leave debt payments out of expenses, since the minimums above are counted for you.
Until the cushion is full, your extra money goes to savings instead of debt. Minimums are always paid. This keeps a surprise car repair from landing back on a card.
Tax refund, bonus, money from selling something. Pick the month you expect it.
A raise, a new job, or an extra cost like daycare or a car payment. Enter the change to the extra you can put toward debt each month, starting that month. Use a negative number if you'll have less.
Once a month, enter each debt's balance from your statements. The planner compares it with the plan and re-projects your debt-free date from where you actually are. You can log a month any time, and logging the same month again replaces it.
| Month | Actual balance | Plan said | Difference |
|---|
| Month | Date | Paid to debt | Interest | Principal | To cushion | Balance left | Actual | Milestone |
|---|
How it works: Each month, interest is added to every balance (APR ÷ 12), the minimum is paid on every debt, and all remaining money goes first to the starter cushion (if on) and then to one target debt. Avalanche targets the highest current rate first (least total interest). Snowball targets the smallest balance first (quick wins). My order follows the priority numbers you set. When a debt is paid off, its payment rolls into the next target. Real-world results will vary with fees, changing rates, deferred-interest promos, and missed or extra payments. This is a planning estimate, not financial advice.