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Apps & Tools · Live payoff tool

Balances in, the kill order and the freedom date out

About $60,000 across cards, a car, and a student loan: the payoff tool that shows the kill order, what each month costs, and the day you’re free.

The brief, verbatim

I've got about $60,000 in debt spread across cards, a car, and a student loan, and I'm making minimums and going nowhere. Every plan I find online is either someone yelling at me about lattes or a spreadsheet I abandon in a week.

Show me the real way out. Look at my actual situation, tell me the order to kill these in and why that order and not the other one, what it costs me each month, and how long until I'm free. Give me the math honestly, including where the popular advice is wrong.

Then make it something I'd actually stick with. Not shame, not gimmicks. A plan that survives a bad month, because I'm going to have bad months.

Show me the light at the end of this.

What the room did

The payoff tool from The Way Out, running privately in the browser: balances in, the kill order and the freedom date out, and a plan that bends instead of breaking when a bad month lands.

The deliverable

The Way Out — The Payoff Tool: the deliverable's own cover.
The Way Out — The Payoff Tool · the deliverable's own cover
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You have debts to kill. Brief the studio in plain English and watch a room of specialists order the fight.

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