Every plan is personalized to your balances, rates, cash flow, and motivation.
Features | Snapshot | Plan | Playbook |
|---|---|---|---|
| Best for | Figuring out which strategy fits you at all | Committed to paying it off and choosing the route | Getting every balance to zero with no surprises |
| Get Snapshot | Get Plan | Get Playbook | |
| Number of Questions | 6 | 10 | 13 |
| Analysis Depth | Brief | Moderate | Extensive |
| Microsite | Summary site | Summary site with analysis | Summary site with analysis, checklist and calendar |
| Strategies, Ranked Avalanche, snowball, hybrid, and consolidation scored honestly for your numbers and your psychology | |||
| Position Gauges Dial gauges for cash flow room, interest pressure, and timeline realism | |||
| Payoff Timeline Dated checklist from setup through your target debt-free month | |||
| Interest Cost What each debt costs over the payoff period, versus minimums only | — | ||
| Consolidation Compared Balance transfers, consolidation loans, and debt management plans, with a fit verdict | — | ||
| Cash Flow Gaps Current vs target on payment capacity, buffer, and utilization | — | ||
| Special Balances Student loans, medical bills, and buy-now-pay-later handled on their own rules | — | — | |
| Creditor Playbook Rate calls, hardship programs, and collections rights, step by step | — | — | |
| Credit Along the Way How the plan moves your score and how to protect it | — | — | |
| When to Get Help Concrete triggers for counseling, a management plan, or a bankruptcy consultation | — | — |
Figuring out which strategy fits you at all
6 questions • Brief analysis
Summary site
Committed to paying it off and choosing the route
10 questions • Moderate analysis
Summary site with analysis
Getting every balance to zero with no surprises
13 questions • Extensive analysis
Summary site with analysis, checklist and calendar