How It Actually Works
No black boxes. No black magic. Just math that's been proven to work forever — finally presented in a way that makes sense.
Step 01
~2 min
Gather your numbers
You don't need to dig through every statement. Start with ballpark numbers — you can refine later. We need: total balances, interest rates, and what you're currently paying each month.
- ✓ Total balance on each debt (credit card, loan, medical)
- ✓ Annual interest rate (APR) — find it on your statement
- ✓ Current monthly payments (minimum or what you actually pay)
- ✓ Any extra cash you could put toward debt each month
Step 02
~1 min
Choose your strategy
There are two proven methods. Avalanche saves you the most money — mathematically optimal. Snowball keeps you motivated — psychologically powerful. We'll show you both and let you decide.
- ✓ Avalanche: Attack highest-interest debt first, save the most total money
- ✓ Snowball: Attack smallest balance first, get quick wins that keep you going
- ✓ Hybrid: Our algorithm blends both for your unique situation
- ✓ Minimum-only: See exactly why this path is so painful (spoiler: it is)
Step 03
Instant
Get your month-by-month plan
No vague advice. You get a specific number for every month: how much to pay, to which account, and what your balance will be. Some people print this and put it on the fridge.
- ✓ Exact payment amounts for each debt each month
- ✓ Running balance tracker so you always know where you stand
- ✓ Interest breakdown — watch interest cost drop as balances fall
- ✓ Projected debt-free date with a real calendar month and year
Step 04
Ongoing
Execute and adapt
Life happens. New income, unexpected expenses, rate changes. Your plan should adapt. With a saved account, update your numbers any time and get a revised plan instantly.
- ✓ Update balances monthly to keep your plan accurate
- ✓ Log payments to see real progress against projections
- ✓ Recalculate when your income or expenses change
- ✓ Celebrate each debt paid off — that dopamine hit is real and earned
The math, plain English
We don't hide the formula. Here's exactly what we calculate.
Months to payoff
P = balance, r = monthly rate, M = monthly payment. This gives exact months to zero.
Total interest paid
Simple: total amount paid minus what you borrowed. Everything else goes to interest.
Interest saved
Compare minimum-payment path vs. your optimized plan. This is the number that makes people gasp.
⚠️ These are standard financial formulas used for educational estimates. Not financial advice. Actual results depend on your lender's compounding frequency, fees, and rate changes.
Frequently Asked Questions
Is this really free?
+How accurate are the calculations?
+Do you connect to my bank?
+What if my situation is complicated?
+Will this hurt my credit score?
+No account needed. Results in seconds. ⚠️ Not financial advice.