Debt Management

⚡ Quick Actions

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Add New Debt

Annual interest rate as a percentage (e.g., 4.5 for 4.5%).
Loan term in months. For mortgages: 360 = 30 years, 180 = 15 years.
Your monthly payment. For mortgages, enter Principal + Interest only (exclude escrow).
Additional payment amount beyond the minimum (Principal + Interest). Helps pay off debt faster and save on interest.
Your total credit limit. Recommended for credit cards to track credit utilization.

🏠 Mortgage Details

Payoff Timeline (with 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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