Debt Management

Add New Debt

Start with what you owe today. For most credit cards, fill the basics below only. Open Loan details for APR, term, escrow, and other loan types.

Debt Name *

Debt Type *

Current Balance *

Amount you owe right now.

Minimum Payment *

Monthly amount on your statement. For mortgages: Principal + Interest only (exclude escrow).

Person Responsible *

Principal Amount *

Original loan amount. For cards, often the same as current balance.

Interest Rate (%) *

Annual interest rate as a percentage (e.g., 4.5 for 4.5%).

Term (Months) *

Loan term in months. For mortgages: 360 = 30 years, 180 = 15 years.

Extra Payment

Additional payment amount beyond the minimum (Principal + Interest). Helps pay off debt faster and save on interest.

Credit Limit

Your total credit limit. Recommended for credit cards to track credit utilization.

🏠 Mortgage Details

Payoff Timeline (with extra payments): -

⏱️ Years Saved (vs. standard): -

By making extra payments

Total Interest (with extra payments): $0.00

Interest Savings (vs. standard payments): $0.00

Total interest saved over loan lifetime

Current Debts

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🎯 Debt Payoff Strategies

Choose the strategy that works best for your financial situation and motivation style.

❄️ Snowball Method

Pay off debts from smallest to largest balance. Build momentum with quick wins!

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🏔️ Avalanche Method

Pay off debts from highest to lowest interest rate. Save the most money on interest!

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