Financial Recovery Center™
Complete a guided financial assessment and receive an educational Recovery Score™, personalized roadmap, debt-planning options, and an optional expert-review request—all without creating an account.
A clear picture and a practical next step
Recovery Score™
A transparent educational score based on debt burden, cash flow, savings, credit readiness, and action readiness.
Recovery Roadmap™
A sequenced plan showing what to stabilize, prioritize, review, and recalculate over time.
Personalized options
Educational matches for payoff optimization, consolidation review, counseling, cash-flow stabilization, or home-equity education.
Tell us about yourself
These details help tailor the educational recommendations and do not create an application.
Income and monthly budget
Use reasonable monthly estimates. The assessment is only as useful as the assumptions entered.
Do not include Social Security numbers, bank account numbers, or login credentials.
Build your debt inventory
Add each major debt account. Estimates are fine for the first pass.
What are you trying to accomplish?
Choose every goal that matters to you.
How does your situation feel?
Your preferences help shape the pace and order of the roadmap.
Analyzing your financial picture
Reviewing cash flow, debt burden, savings, credit readiness, goals, and urgency.
Your analysis is being prepared
Calculating your educational Recovery Score™ and personalized options.
Your Financial Recovery Plan
Know where you stand. Know what to do next.
Executive summary
Your strongest educational options
Recovery Roadmap™
Meet Your Financial Twin™
Your Twin is a fictional educational planning profile selected from predefined models based on the information you entered. It is not a real person or a claim about actual user outcomes.
Financial Twin
Building your match...
Planning approach
Analyzing...
What helped
Analyzing...
See the direction your plan could take.
Adjust the extra payment and time horizon to explore an illustrative scenario.
Other planning profiles like yours
A Letter From Future You™
Your plan is complete
You now have a Recovery Score™, educational option matches, a Recovery Roadmap™, Financial Twin™, and Future You™ scenario.
No sales pitch. No obligation.
PayOffMyBills does not currently transmit your assessment to lenders, debt-relief companies, credit counselors, or other providers. Your information remains in this browser unless you clear it.
Continue with the AI Debt Coach
Ask educational questions based on your plan.
Open the Debt Command Center
Compare strategies and organize your accounts.
Run another scenario
Use the calculator library to test assumptions.
Build your knowledge
Continue through the Financial Academy.
Educational estimates are based on the information you entered and are not guarantees, offers, or financial advice.