Twenty dollars more.
A whole year sooner.
See how extra payments accelerate your debt payoff. Calculate how an extra $50, $100, or $500/month changes your debt-free date.
Let's list your debts.
No judgment here — just getting a clear picture.
Anything extra?
Even twenty dollars makes a real difference. But there's no pressure — you can skip this.
Added on top of your minimums each month.
Tax refund, a bonus, or a gift — applied once.
Not sure yet? You can skip this — we'll still show your payoff plan.
That's months from now.
Your debt, disappearing.
Each month, your balance gets smaller. Here's the shape of it.
Your payoff journey.
Each milestone is a victory. Celebrate them.
Paid off in month — first win!
Debt freedom day.
What's next?
Want to learn more?
Debt Snowball vs Avalanche: Which Strategy Is Right for You?
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Read articleHow to Pay Off $10,000 in Credit Card Debt
A realistic, step-by-step plan to eliminate $10K in credit card debt faster than you thought possible.
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The power of extra payments
Even small extra payments can dramatically speed up your debt payoff. Here's why they're so effective.
Where to find extra money
- — Cut one subscription
- — Side gig income
- — Cashback rewards
- — Pack lunch twice a week
- — Tax refund
- — Work bonus
- — Selling unused items
- — Birthday money
Before you start
Make sure you have a small emergency fund first ($500–$1,000). This prevents you from going back into debt when unexpected expenses hit. Then throw everything else at your debt.
No extra money right now?
That's okay. Start with minimums, and add extra when you can. The most important thing is making consistent payments. You're still making progress.