Decision journey

Get out of debt—without losing the rest of your plan.

Compare payoff order, time, interest, and the monthly amount your household can actually sustain.

This creates a plan from the numbers you enter. It does not negotiate debts, change lender terms, or tell you to drain savings.

Orient · about 4 minutes

Start with the household, not the strategy.

Debt payoff works only when the monthly plan fits around housing, essentials, and a cash cushion. Your reusable profile stays in this browser and can prefill future journeys.

Anonymous household profileExplicit save, local only, versioned.

Reusable inputsIncome, budget, debts, savings, age, location.

Scenario cardsSame measures, same order, plain deltas.

Tell us · household profile

The numbers other journeys can reuse.

No saved household profile foundNothing leaves this browser.

Tell us · debts

Use the balances and minimums on your statements.

Minimum payments matter. The live calculator currently estimates them; this journey asks for the real amount.

Tell us · pace

What can you add without breaking the budget?

Extra toward debt each monthAbove all entered minimums

What matters most right now?

See it · act

Three plans, using the same monthly commitment.

Calculation and profile notes

Fixed APRs and entered minimum payments. Each plan keeps its starting monthly debt budget constant and rolls freed payments forward. Interest compounds monthly. No fees, promotions, forgiveness, delinquency, tax effects, or variable rates are modeled. Shared debt comparison functions are provided by the MTM shared foundation; confirm statement terms before relying on the schedule.

Profile key: mtm_household_v1. It reads legacy MTM profile keys for prefill but never modifies them. Saving is explicit. Journey state is separate.