Quick Setup
Payoff Strategy Overview
Your debt schedule will initially be calculated using the **Hybrid** strategy. Click the **"✨ Get Strategy Analysis"** button in the Schedule tab to receive a personalized recommendation based on your financial data.
Snowball (Motivation)
Focus on the debt with the **lowest balance** first. When paid off, roll that payment into the next smallest debt. Best for psychological momentum.
Avalanche (Savings)
Focus on the debt with the **highest APR** (interest rate) first. This method saves you the most money in the long run by reducing interest accrual.
Hybrid (Balanced Default)
Combines Avalanche order but prioritizes quick wins (small balances or short payoff times) for a balance of savings and motivation.
Add Debts
Current Debts
| Creditor | Balance | APR % | Min Pmt | Due Day | Actions |
|---|
Budget Input
Income
Expenses
Monthly Surplus: 0.00
Extra Payments
Add one-time bonuses or fixed recurring amounts (beyond your minimum payments + surplus) to accelerate your payoff.
One-Time Payments
Recurring Monthly Payments
Payoff Schedule
Total Interest Paid
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Interest Saved
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Months to Payoff
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Debt-Free Date
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| Month | Starting Debt | Target Debt | Total Payment | Interest | Principal | Ending Debt |
|---|
Run 'Recalculate' to view the schedule.
Dashboard
Total Current Debt
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Interest Saved
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Percent Paid
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Debt-Free Date
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Active Strategy:
Current Focus: Run calculation to see focus.
Total Debt Over Time
Total Principal vs. Interest
Credit Score & Wins
Credit Score Trend
Wins & Motivation
Export & Settings
Data Management
Your data is stored securely on this device's browser.
App Settings
Privacy Notice: All data is stored locally in your browser's localStorage and is never transmitted off your device.
App Version: 1.0.0 (Debt Confidence)
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