App Features · The Getting Ahead Guidebook
The Debt Payoff Planner: Pick a Method, Get a Debt-Free Date
Debt without a plan is a gray cloud with no edges. The Debt Payoff Planner gives it edges — a method, a schedule, and an actual month circled on the calendar when you make your last payment.
Three ways to attack it
- Snowball — smallest balance first, for fast wins and momentum.
- Avalanche — highest interest first, to save the most money.
- Custom — your own order, because sometimes a debt is personal.
Pick one and the planner does the math instantly: your debt-free date, your total interest, and exactly how much you save versus paying only the minimums.
The goal isn’t to ‘try to pay off debt.’ It’s to know the month you’ll be free — and protect that date.
Watch the balances fall
Log each payment as you make it and the balances drop in real time. Your debt-free date sits right on the Dashboard and the Big Picture, so the finish line stays in front of you every single day. That visibility is what keeps people going when motivation dips.
It connects to the rest of your plan
Extra money you free up elsewhere — a canceled subscription, an over-funded reserve — becomes ammunition here. And because the planner feeds your Net Worth and Projections, every payment you make shows up in the bigger picture too.
Set your debt-free date today
Every feature here is built into The Getting Ahead Guidebook — the simple, logical way to organize your family’s money. Try the whole thing free for 7 days. No credit card to start.
Grab the free Reserves Worksheet
The printable I built for my own family — 14 pre-loaded reserves, fourth-grade math, and the mindset shift that stops annual bills from being surprises. Yours free, no credit card.