A personalized debt-payoff planning guide. You answer a short questionnaire about your balances, rates, income, and how you like to work, and we generate a plan: payoff strategies ranked honestly for your situation, position gauges, the real interest cost, consolidation trade-offs, and a dated timeline to your target debt-free month.

No. The plan covers how payoff strategies work and which fits your numbers, but your specific decisions belong with a nonprofit credit counselor (look for NFCC member agencies), a fee-only financial planner, or — if bankruptcy is on the table — a consumer bankruptcy attorney.

Whichever fits you. Avalanche (highest rate first) saves the most interest; snowball (smallest balance first) builds momentum. The plan scores both, plus hybrids and consolidation, against your actual rates and your stated motivation, and says plainly which one you're likely to stick with.

They're estimates built from the balance, rate, and payment ranges you select — not your statements. Figures are shown as ranges and should be verified against your actual creditor terms.

No. The plan treats your mortgage as a fixed housing cost and focuses on consumer debt — credit cards, auto, student, personal, medical, and buy-now-pay-later balances.

The plan will say so. If your extra payment capacity can't reach zero by the month you chose, the timeline shows what is realistic, what would have to change, and where consolidation or counseling might close the gap. An honest date beats a broken resolution.

During our introductory period every level is free.

2-6 minutes to answer, and the plan is emailed within a few minutes after that.

We only use your answers to generate your plan, and we deliver it by email. We don't ask for account numbers, and we don't sell your information.