Your debt dashboard
Track your path to
debt freedom.
Comprehensive analysis, charts, and payment strategies. Compare Avalanche, Snowball, and Kakeibo—all in one place.
急がば回れ
More haste, less speed. Steady wins.
Isogaba maware
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Add your debts on the homepage to see your detailed analysis here.
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Monthly Payment
Total Interest
Payoff Time
Financial Settings
Ma — The pause
Check balances monthly, not daily. Anxiety is the enemy of long payoff journeys.
Kaizen — This month
Extra toward debt: $0
Debt Payoff Estimates
| Creditor | Original Balance | Interest Rate | Monthly Payment | Months to Pay Off | Total Interest | Payoff Date |
|---|---|---|---|---|---|---|
| Totals | $0 | 0% | $0 | 0 | $0 | N/A |
Payment Strategy
Choose how to order your payoffs, then apply any extra payment to the first debt in the list.
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Payoff order
This strategy
Avalanche Strategy
Pay off high-interest debt first to minimize total interest paid.
Why this strategy
Payment Schedule by Debt
Payment Progress Chart
Select Strategy for Chart
Strategy Comparison
| Strategy | Total Interest | Payoff Time | Monthly Payment | Savings vs Current |
|---|
Credit Card Utilization Analysis
Why Keep Credit Card Balances Low?
Credit Score Impact
Credit utilization accounts for 30% of your FICO score. Keeping balances below 30% helps maintain a good credit score.
Lower Interest Costs
Lower balances mean less interest accrual, saving you money and helping you pay off debt faster.
Financial Flexibility
Available credit provides a safety net for emergencies and better financial opportunities.
30% Utilization Target
Enter your actual credit limits below for accurate utilization calculations. If you don't know your limit, we'll estimate it based on your balance.
| Credit Card | Credit Limit | Current Utilization | Target Balance (30%) | Amount to Pay Off | Status |
|---|