The Financial Freedom Calculator

See where you're heading, where you could be, and what the difference is worth

Where You Are Now

Total balances across credit cards and personal loans you're trying to clear.
Weighted-average APR across those balances. Used in the consolidation view.
What you pay in total each month right now. Used in the consolidation view.

How Much Past Data Do You Have?

Best guess is fine. Skip if you don't have it.
Two-year look back gives the most honest pace reading.

At Your Current Pace, Debt-Free In

5.0 years
around Jun 2031

The Numbers Behind That

Average paydown
$417/mo
Months remaining
72
Pace is measured by how much your balance has actually dropped over the look back window you gave. This view doesn't factor in your APR or what you pay each month, it just looks at the result.

Your Debt Trajectory

Save Snapshot

Capture this plan for the prospect. Saving does not change or reset anything on the page, so keep editing and save again any time.
Years Saved
You save 5 years
and $40,000 in interest you don't pay the bank
At Your Current Pace
Jun 2031
5.0 years away
With Our Process
Jan 2029
2.5 years away

Your Current Debt

Auto-filled from the first tab. Editable here without writing back.
Auto-filled from the first tab. Editable here without writing back.
Auto-filled from the first tab. Comparison uses 2.5% CC minimums.

Additional Cash Flow

Side income, expense cuts, restructuring, etc.
Increase freed cash by % (1% adds $3/mo based on current freed amount)

New Consolidation Loan

APR of consolidation loan
Years for the consolidation loan
Financed into the new loan

What to do with freed cash?

Redirected to extra principal on the new loan while it's outstanding
Invest in retirement accounts
Build cash reserves (grown at your Savings Return rate)
Save for specific goals (grown at your Savings Return rate). In this model, once your consolidation loan is paid off, the "Extra Principal" portion of your payment is redirected here into Savings.
Expected return on investments
Expected return on savings (HYSA, CDs)

Monthly Cash Flow Freed

$333
per month

How Your Freed Cash Flow is Working

Monthly Breakdown
Extra Principal
$83
Investing
$83
Emergency
$83
Savings
$83
Reference: Credit Card Minimum Payments (Interest + 1% Principal)
Balance 24% 26% 28% 30%
$10,000$300$317$333$350
$20,000$600$633$667$700
$30,000$900$950$1,000$1,050
$40,000$1,200$1,267$1,333$1,400
$50,000$1,500$1,583$1,667$1,750
$60,000$1,800$1,900$2,000$2,100
$70,000$2,100$2,217$2,333$2,450
$80,000$2,400$2,533$2,667$2,800
$90,000$2,700$2,850$3,000$3,150
$100,000$3,000$3,167$3,333$3,500

Financial Impact Over Time

90 Days
$999
6 Months
$1,998
1 Year
$3,996
3 Years
$11,988
5 Years
$19,980

Where Your Money Goes

Category 6 Mo 1 Yr 3 Yr 5 Yr
Extra Principal $0 $0 $0 $0
Investing $0 $0 $0 $0
Emergency $0 $0 $0 $0
Savings $0 $0 $0 $0
Interest Saved $0 $0 $0 $0
Total Impact $0 $0 $0 $0
Debt-free in
Jan 2029
(0.0 years)

Interest Saved

$30,000

Time Saved

0.0 years

Account Growth ⓘ

$0
Investing: $0 • Savings: $0

Total Impact

$30,000

Cash Growth Over Time

Debt Paydown Comparison