Side income
A few extra hours.
A few extra hours.
A whole year sooner.
See how a side gig, freelance work, or windfalls could crush your debt timeline.
Your debt.
The debt you want to attack with side income.
$
%
$
Your side income.
How much extra could you earn? (All goes to debt.)
Side gig / freelance
$
= /month
Selling things
$
Expected windfalls
$
$
Applied as lump sums to your debt.
Total extra toward debt
Plus in windfalls spread over the first year.
Side income accelerates your payoff by
Without side income
mo
With side income
mo
Interest saved
Is the side gig worth it?
Hours invested (until debt-free)
Interest saved
Effective hourly value
Your side gig is worth more than your hourly rate — because you're also saving on interest.
Your side-hustle payoff.
hours/week
At $/hr = /month toward debt.
Debt-free date
→
Side income ideas by hourly rate.
$15–25/hr
- — Rideshare driving
- — Food delivery
- — Retail / warehouse
- — Pet sitting
$25–50/hr
- — Tutoring
- — Freelance writing
- — Virtual assistant
- — Photography
$50–100+/hr
- — Consulting
- — Web development
- — Graphic design
- — Bookkeeping