Debt Optimizer
Enter your debts, income, and expenses. See exactly when you'll be debt-free — and how to get there faster.
Your debts
Balance ($)
Rate (%)
Min payment
Total debt$5,000
Monthly take-home income ($)
rent
groceries
utilities
phone
transit Gas
subscriptions
dining Out
other
Total expenses$2,610
After expenses$1,890
Min. payments$100
Extra for debt$1,790
Minimum payments only
109mo
$5,830 interest
Paying minimums only
AI Pick
Avalanche method
3mo
$159 interest
Highest rate first — saves most interest
Snowball method
3mo
$159 interest
Smallest balance first — psychological wins
By using Avalanche vs. Minimum, you save $5,671 in interest and 106 months
That's real money staying in your pocket instead of going to the bank.
Debt Optimizer is almost ready
We're putting the finishing touches on this — check back soon for an AI-powered plan to become debt-free faster.
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