Debt Payoff Planner
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Debt Payoff Planner
Create a plan to begin.
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Active Plan
Dashboard
Create your first saved plan
Enter your debts, payment budget, and start month to compare strategies and begin tracking progress.
Plan
Based on the assumptions saved in Plan Setup.
Current outlook
Based on your latest Progress check-in and the Active Plan's future assumptions.
Plan status
No monthly check-in has been recorded.
Next milestone
Plan, actual, and Current projection
Plan projection stays tied to Plan Setup. Actual points come from Progress check-ins. Current projection starts at the latest valid actual balances and applies the current strategy and future assumptions from there.
Action plan
Monthly payment workspace
See the modeled payment allocation for the active Plan month, record what you actually paid, and complete your monthly review. Payment records are historical; Progress check-in balances determine the authoritative Current projection.
No monthly payment plan is available yet
Save a valid plan to generate this month’s payment allocation.
This month’s payments
The amounts below come from the active strategy’s monthly schedule. Recorded payments reduce the remaining amount shown here.
| Debt | Due | Planned | Recorded | Remaining | Status |
|---|
Monthly review
Use this workflow once per month to record what actually happened and refresh the Current projection without changing the Plan baseline.
Payment history
Individual payments remain in your cloud-synced Planner history. Current-revision payments can be edited or removed if entered in error. They document what you paid but do not independently change the Current projection; the latest valid Progress check-in balances do that.
| Date | Debt | Amount | Note |
|---|
Plan setup
Enter figures from your current statements. Make your changes, then select Save plan to update your Active Plan.
Strategy comparison
Each comparison uses the same saved balances, APRs, start month, and payment assumptions.
Snowball directs rollover money to the lowest balance. Avalanche directs it to the highest APR. Extra payment adds the amounts below using the selected order. When two strategies produce the same monthly balances, their chart lines overlap.
Extra-payment assumptions
These assumptions apply only to the Extra payment strategy. Saved values are retained when another strategy is active.
Side-by-side schedule
Use the table with the visual comparison; exact figures remain available for each month.
Scroll horizontally to see all debt columns in the schedule.
Save a strategy snapshot
Saved strategy snapshots
Saved strategy snapshots are historical records of the selected strategy assumptions and projection at the time you saved them. They do not change the active Plan.
| Snapshot | Strategy | Payoff | Saved |
|---|
Adapt the plan
Plan tools
Set a payoff goal, test payment changes, schedule APR changes, or customize payoff priority.
APR and promotional-rate schedule
Schedule future APR changes such as a promotional-rate expiration. The payoff projection applies the new APR beginning in the selected month.
Save a plan to schedule APR changes.
Custom payoff order
Move debts into the order you want rollover money to target. Current payments are still applied to every active debt first.
Save a plan to create a custom order.
Scenario lab
Compare restructuring scenarios
These comparisons model costs and timelines. The Plan baseline uses the active payoff strategy saved in Plan Setup. They do not estimate approval or provide individualized recommendations.
Balance-transfer scenario
Consolidation loan scenario
Saved scenarios
Saved scenarios are historical records and never recalculate or change when the plan changes. “Use as new scenario” copies the saved assumptions into Scenario Lab so you can review them and run a new comparison against the Plan baseline.
| Name | Type | Saved result | Saved |
|---|---|---|---|
| No saved scenarios for this plan yet. | |||
Monthly progress
Record one balance check-in for each plan month. The latest valid check-in becomes the authoritative Current projection anchor immediately, while the Plan projection remains unchanged. Change the Plan itself only through Plan Setup.
Plan, Actual, and Current projection
Historical check-ins retain their frozen Plan comparison, while the Current projection begins only at the latest authoritative actual balances and extends forward.
Progress history
Each check-in stays tied to the strategy and plan version that produced its projected balances.
| Month | Strategy | Status | Saved Plan projection | Actual | Variance |
|---|
Plan version history
Each material saved Plan change is retained as a version. You can load a historical version into Plan Setup for review; your Active Plan does not change until you deliberately save Plan Setup.
| Saved | Changes | Action |
|---|
Plan checkpoints
Milestones and reminders
Dates are monthly estimates based on the saved plan start month.
Plan projected milestones
In-app reminders
Reports, backups, and data controls
Exports contain the plan information you choose to download. Store those files securely.
Paid reports and backup feature
Reports and workbook
The Excel workbook distinguishes Plan and Current projection values and includes a formatted Summary, debt and schedule tabs, scenario summary and detail tabs, Progress, Payments, and Plan history.
Planner backup
Download a portable copy of your saved plans and Planner history. Backup files can contain sensitive financial information, so store them securely.
A passphrase encrypts the backup in your browser. DebtOptimizerHub cannot recover a forgotten passphrase.
Required only when you enter a backup passphrase above.
Import a backup Paid
Import adds backup plans to the account you are currently signed in to. It does not replace existing cloud plans. Matching plan identifiers are imported as separate recovered copies.
Data controls
Deleting planner data does not cancel your Stripe subscription.
Account
Settings
Manage your Planner notifications, subscription, and sign-in details.
Subscription
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Password
Sign-in email
Current email: —
A confirmation step may be required before the new email address becomes active, depending on your account security settings.
Active Plan notifications
Choose how the active plan reminds you about upcoming payments and monthly reviews. Browser alerts are checked while the Planner is open; email reminders are sent to your sign-in email.
Account session
Sign out of the Debt Payoff Planner on this browser.
Reference
Help and assumptions
What the payoff model assumes
- Your saved balances, APRs, current payment formulas, monthly payoff budget, scheduled APR changes, and extra-payment assumptions remain the plan inputs until you edit them.
- Fixed payment keeps each debt's saved payment formula and does not automatically roll a paid-off debt's payment to another debt. A fixed-dollar formula stays level; a percent-of-balance formula recalculates monthly.
- Snowball, Avalanche, and Custom order treat each debt's saved payment formula as its monthly minimum and direct the remaining plan budget to the selected target. Additional monthly payment increases the recurring Extra strategy budget; a one-time payment is applied in Month 1.
- Interest is modeled monthly; card issuers may use daily-interest calculations and different statement methods. A scheduled APR change begins in the month you enter and remains in effect until a later scheduled change.
- No new purchases, penalties, unentered rate changes, or missed payments are inferred automatically. Record actual payments and statement balances to keep the plan aligned with what occurred.
- Planner payoff dates are month-level estimates anchored to the saved Plan start month.
- Payment due day affects the Monthly plan status, reminders, and calendar exports only. It does not change modeled payoff time or interest.
- Scenario Lab compares a proposed balance transfer or consolidation loan with the selected debts as they are modeled under the plan's active payoff strategy. If the active strategy is Extra payment, its saved recurring and Month 1 one-time assumptions are part of that Plan baseline.
- Scenario Lab treats modeled total costs as similar when their difference is at or below the greater of $25 or 1% of the Plan baseline's modeled total cost. This avoids presenting a small modeled difference as a meaningful cost advantage.
What the product does not do
- No bank connections, credit pulls, transaction syncing, or lender applications.
- The planner does not guarantee approval, qualification, savings, payoff dates, or credit-score changes. Compare and Scenario Lab show modeled estimates, not guaranteed outcomes.
- The planner does not recommend which strategy or product you should choose.
- The planner does not merge simultaneous edits into one record. Plan-level conflicts can offer a cloud-version or recovered-copy choice; some child-record conflicts, including Progress conflicts, are automatically preserved as recovered data when possible.
Backups and recovery
Downloadable .dohplan backups provide portability and independent recovery. Importing a backup requires active Planner access and adds recovered data without replacing an existing cloud plan. If an imported plan identifier already exists, the imported version is retained as a separate recovered copy.
Plan, Actual, and Current projection
- A check-in is Ahead or Behind only when actual balance differs from its frozen Plan projection by more than the greater of $25 or 1% of projected balance. A variance at or inside that tolerance is On schedule.
- Historical check-ins retain the strategy and plan context they were measured against even if you later edit the plan or change strategies.
- The latest valid Progress check-in balances are the authoritative Current projection anchor. The Current projection begins in the following month, uses the current active strategy and applicable Plan assumptions, preserves recurring Extra payments, applies scheduled APR changes prospectively, and never reapplies the original Month 1 one-time Extra.
- Saving, editing, or deleting a check-in updates the Current projection automatically when the authoritative Actual anchor changes and never changes Plan Setup. Use Plan Setup whenever you intend to change the Active Plan itself.
- Individual payment records and monthly balance check-ins serve different purposes: payments document what you paid; check-in balances determine the authoritative Current projection. A payment record alone never silently infers a new Current balance projection.
Reminders and notifications
- Browser notifications are optional, require browser permission, and are evaluated when the Planner is open; browser and operating-system settings can suppress them.
- Email reminders are optional and are sent only when the server-side reminder job is enabled for the site. Delivery timing is not guaranteed, so creditor statements and account alerts remain the authoritative source for payment due dates.
- Reminder settings can include payment due dates, scheduled APR changes, and the monthly check-in. Reminders do not initiate payments or contact creditors.
Cloud storage, offline use, and subscription access
Signed-in Planner data is stored with your account. The browser keeps an account-scoped local cache for explicitly saved Plan changes and other Planner records so they can synchronize when a connection is available. Editing Plan Setup alone does not save or queue Plan changes. Free-trial access must be verified online; temporary offline editing is available only while a cached paid entitlement remains valid.
When a never-paid free trial ends, Planner access is locked but saved data is retained. If a customer has paid for the Planner at least once and later ends the subscription, saved Planner history remains available in read-only mode. Editing, new calculations, imports, and exports require active access; paid exports require an active paid subscription.
Support
For help with billing, exports, browser compatibility, or reproducible calculation issues, email [email protected]. Do not send a real plan backup unless you deliberately redact it or replace it with synthetic values.
Unsaved Plan changes
Your Plan Setup draft has changes that have not been saved. Stay here to review them, or discard the draft and continue using the last saved Active Plan.
Replace the Active Plan with this historical version?
Saving this draft will replace the current Active Plan configuration with the historical version loaded into Plan Setup.
- A new Plan Version History record will preserve the change.
- Progress History and Actual check-ins remain preserved.
- Monthly Plan payment history remains preserved.
- Saved Scenario Lab snapshots remain preserved.
- Plan projection will be recalculated from the replacement configuration.
- Current projection will then recalculate from the latest authoritative Actual balances using the replacement Plan assumptions.