Decision Center

Paying Off Debt

Pick a strategy and stick to it.

A framework for eliminating credit cards, personal loans, and consolidated debt.

Your step-by-step path

1
Build a full picture
Total balances, rates, and minimums.
Open Net Worth Calculator
2
Pick a strategy
Snowball for motivation, Avalanche for lowest cost.
Open Debt Avalanche Calculator
3
Model the snowball option
See how quick wins accelerate progress.
Open Debt Snowball Calculator
4
Consider consolidation
Sometimes a lower APR beats optimization.
Open Debt Consolidation Calculator
5
Guard your credit
Keep utilization under 30% while paying down.
Open Credit Utilization Calculator