Build cash—or attack debt first?

Compare three peer plans using the same monthly dollars. The current reference explains what the numbers support; it does not decide for you.

Your working numbers

Monthly take-home incomePublished planning example Essential monthly spendingPublished planning example Emergency savingsPublished planning example Debt to targetHighest APR is selected when saved debts are available Targeted debt balance Debt APRPercent, not a decimal Selected debt minimumApplied to the selected debt All required debt minimumsSubtracted before extra monthly capacity Extra available each monthPublished planning example Initial cushion target Unexpected expense to test

Same dollars, three paths

What could change the reference?

Assumptions and sources

Published default

12-month horizon

MTM journey policy · config v1.1

Published default

0% savings growth

Conservative planning default · config v1.1

Published rule

Debt-cost bands

Below 10% · 10%–14.99% elevated · 15%+ high cost. MTM product policy approved 2026-08-02.