Tool
Debt payoff
The mountain is gone
April 2029
31 months · 8 months sooner than minimums only
The dashed ridge is this book at 0% — the haze above it is interest, rebuilding the mountain while you dig.
Borrowed
$12,120
Interest on top
$1,777
You'll pay back
$13,897
Starter numbers, not a suggestion — tap anything below to make it yours.
Which debt gets the extra money
This order costs $55 more in interest and plants your first flag 8 months sooner. Neither is wrong — pick the one you'll keep.
Towards debt
$450/month
Debt-free by
April 2029
The next $25 buys 2 months and saves $151. Drag either slider — money and time are the same lever.
The book, in first-win order
A card's statement asks for less each month as the balance falls. Follow the statements down and this book takes 14 years and $5,489 in interest — the chart's "minimums only" already assumes you hold today's $380 steady, which quietly beats it.
The ideas inside the mountain, one at a time.
A lump of money lands — which debt should it hit?
The lump
- Credit carddebt-free March 20291 month sooner$266 less interest
- Phone plandebt-free March 20291 month sooner$240 less interest
- Car loandebt-free March 20291 month sooner$94 less interest
A lump saves most where the rate is highest — it's the avalanche idea in one move. If wiping a small debt off the list entirely is what keeps you going, that's a real win too; the table just prices the difference.
The same $100, two homes
The money
Debt rate %
Savings rate %
Cancelling interest at 22% pays exactly like an account paying 22% — and no savings account pays that. That's the whole argument for aiming spare money at the dearest debt first; the only common exception is a small cash cushion, so a surprise doesn't land back on the card.
"0% for 12 months" — the kind that counts from day one
The purchase
Promo length
The rate after %
You pay monthly
$100/month
Cleared in 12 months — $0 interest, but only because it finished inside the window. Pay just $95 instead and $183 lands at once at month 13 — every cent of it accrued from day one, waiting.
This models deferred-interest financing — the kind attached to store purchases. A true 0% intro APR on a bank card forgives the promo months instead; the paperwork tells you which one you have.
Arithmetic, not advice — this can't see hardship programs, consolidation offers, or who co-signed what. A nonprofit credit counsellor can, free. Your numbers stay on this device.
What the money words mean
Tap a word. Revolving debt can grow back as you spend; installment debt only shrinks — that one difference explains most of how the same dollar feels on a card versus a loan.