Monthly Income
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Please enter your monthly income.
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Monthly Bills & Fixed Costs
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Housing
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Total Monthly Bills
$0
Monthly Spending & Variable Expenses
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Total Monthly Spending
$0
Savings Goal
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Add a Debt
Enter debt details
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Use the form above to track what you owe.
Use the form above to track what you owe.
Quick Tips to Tackle Debt
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Highest rate first (avalanche). Pay minimums on everything, then put any extra toward the debt with the highest interest rate. This saves the most money over time.
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Smallest balance first (snowball). If you need quick wins to stay motivated, pay off your smallest balance first, then roll that payment into the next one.
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Ask for a lower rate. Call your card issuer or lender — many will reduce your interest rate if you simply ask, especially if you've paid on time.
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Pause new debt. While paying down balances, avoid new purchases on credit. Every new charge makes the payoff timeline longer.
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Redirect windfalls. Tax refunds, bonuses, or cash gifts — send them straight to your priority debt instead of spending them.
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Consider consolidation. A balance transfer or consolidation loan with a lower rate can reduce interest costs — just watch for transfer fees.
Fill in your Budget tab and tap
Calculate My Plan to see your results.
Calculate My Plan to see your results.