When you're free
Debt-free
January 2030
Month 42 of the plan · begins August 2026
$10,818
Total interest
$100,818
Total paid
The countdown, to scale
The attack order
Everything above the minimums goes to one debt at a time. When a debt dies, its payment rolls onto the next — the attack gets stronger the further you go.
The bad month
Had a hard month?
Tap below to pause the extra for one month. Pay just the minimums — no shame, no starting over. Watch what it costs.
The plan bends; it doesn't break. Each pause you add moves the date by about three weeks.
Smart order vs. the obvious move
Smart order (cards first)$10,818
debt-free Jan 2030
Snowball (smallest first)$12,921
debt-free Feb 2030
Attacking the smallest debt first would cost you
$2,103 more
and one extra month.