All-in-one planning dashboard
Debt Command Center
See every debt, compare strategies, monitor scores, track timelines and interest, print a personalized roadmap, and continue with the right educational resources.
Total debt—
Debt accounts—
Fastest modeled payoff—
Strategy interest difference—
Snowball vs. avalanche payoff timeline
SnowballAvalanche
Debt inventory
AccountBalanceAPRPaymentExtra
Household inputs
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Snowball vs. avalanche
| Strategy | Modeled payoff | Estimated interest | Main benefit |
|---|---|---|---|
| Debt snowball | — | — | Faster account wins and visible momentum. |
| Debt avalanche | — | — | Targets the highest APR to minimize modeled interest. |
Modeled winner: —
Payoff balance paths
The overview chart uses the same debt list and payment budget to compare both ordering methods.
Financial Health Score
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Based on cash-flow room, reserves, payment burden, and recent payment consistency.
Debt Stress Score
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Based on payment pressure, past-due accounts, missed payments, and emergency vulnerability.
How to use these scores: Treat them as planning signals, not credit scores, clinical assessments, or eligibility decisions.
Your Debt Freedom Roadmap
Monthly review checklist
- Update balances and rates.
- Confirm required payments cleared.
- Apply extra funds to the selected target.
- Record any account paid in full.
- Recalculate after a major income or expense change.
Educational planning document only. Verify account terms and professional requirements before acting.