Debt Payoff Planner
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Debt Payoff Planner
Create a plan to begin.
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Your unfinished plan is still on this browser.
Review it before saving it to your account. It isn't saved online yet. This browser copy will be cleared after you save it or choose Discard, and it expires after 48 hours.
Active Plan
Dashboard
Create your first saved plan
Enter your debts and payment budget to compare strategies and begin tracking progress.
Your balances compared with your plan
See your latest recorded balance alongside what your saved plan expected, then follow the difference each month.
Plan
Based on the assumptions saved in Plan Setup.
Your updated payoff estimate
Based on your latest balances and saved payoff assumptions.
Your payoff plan and progress
The dashed line shows your saved plan, dots show the balances you've recorded, and the solid line shows your updated payoff estimate. Use the monthly comparison above to see small differences more clearly.
Action plan
Monthly payment workspace
See your planned payments, record what you paid, and update your remaining balances. Payments help you track this month's activity; updated balances show whether you're on track to pay off your debts.
No monthly payment plan is available yet
Save a plan to see how much to put toward each debt this month.
Your updated position
What this check-in changes
When you enter new statement balances, we'll update your payoff estimate. We'll account for time that's passed and changes you've made since your last update. Your original plan and earlier check-ins will still be available for comparison.
This month’s payments
These amounts follow the payment strategy you selected. Recording a payment lowers the amount left to record this month. To update your remaining balances and payoff estimate, enter your latest statement balances in the monthly check-in above.
| Debt | Current balance | Due | Planned | Recorded | Remaining | Status |
|---|
Monthly review
Update your balances about once a month to see whether you're ahead of or behind your original plan. Your saved plan won't change.
Payment history
You can review, correct, or delete payments you've recorded for the current plan. Recording a payment doesn't automatically change your remaining debt balance. Use the monthly balance check-in to refresh your payoff estimate.
| Date | Debt | Amount | Note |
|---|
Plan Setup
Enter the balances, interest rates, and payments from your statements. We'll set the starting month when you first save your plan. Make any changes here, then select Save plan.
Cash Flow
See how changes in income and living expenses could affect the money available for debt payments. Exploring here won't change your saved plan or payoff estimate. Use Plan Setup to make a lasting change.
Save a Plan first
These estimates use the debts and payoff strategy from your saved plan.
Active Plan
Projected income and expense growth
Choose how the projection is displayed. These view controls don't change your saved Cash Flow assumptions.
Projected debt-payment capacity
Projected debt-payment capacity is take-home income minus the living expenses entered above. It shows how much cash could be available for debt payments, not a recommended payment. Compare it with the Plan required payment, the Cash Flow required payment, and your planned debt payment. For minimum-based strategies, the required-payment lines show minimums along each payoff path; Fixed shows the required fixed payment. The chart, table, and summary cards always use monthly amounts so short-term changes in payment capacity stay visible.
Projected effect on payoff
Compare two payoff paths from the debt balance shown below. Both use the same debts, APRs, and payoff strategy. The planned path keeps your saved monthly payment; when the strategy allows extra payments, the Cash Flow path applies projected cash available after living expenses. Your saved Plan and Current projection don't change.
Projected remaining debt balance
Strategy comparison
Compare payoff strategies using your latest balances, interest rates, and planned payments. We'll start from this month.
The starting point is your current debt balance. We'll estimate how long each option could take and how much interest remains.
Snowball directs extra 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 for exact monthly values alongside the chart.
Scroll horizontally to see all debt columns in the schedule.
Save this strategy comparison
Saved strategy comparisons
Keep a copy of a comparison to revisit later. Saving it won't change your active plan.
| Comparison | Strategy | Payoff | Saved |
|---|
Adapt the plan
Plan tools
Try payoff goals and payment changes using your latest balances. Exploring an option won't change your saved plan. You can review any changes before saving them.
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 extra 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
Explore a balance transfer or consolidation loan using your latest balances and saved payoff strategy. These estimates don't predict whether you'll qualify or recommend a specific loan.
Balance-transfer scenario
Consolidation loan scenario
Saved scenarios
Saved scenarios keep the result and assumptions from the time you saved them. They don't change when the Plan changes. “Use as new scenario” copies those assumptions into Scenario Lab so you can review them and run a new comparison against the Active Plan.
| Name | Type | Saved result | Saved |
|---|---|---|---|
| No saved scenarios for this plan yet. | |||
Plan → Actual → Current
Progress history and analysis
Review long-term Plan, Actual, and Current trends, inspect saved check-ins, and revisit Plan versions. Monthly Check-In entry and editing now happen in Monthly Plan.
Your plan and what happened
Each monthly check-in shows what you expected to owe and what you actually owed. Your newest recorded balances help update your payoff estimate.
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 saved change to your Plan creates a version. You can load an older version into Plan Setup for review. The Active Plan doesn't change until you select Save plan.
| 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 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 can't 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 doesn't replace existing cloud plans. If a backup contains a plan that already exists, the imported version is added as a separate recovered copy.
Data controls
Deleting Planner data doesn't cancel your Stripe subscription.
Account
Settings
Manage your Planner notifications, subscription, and sign-in details.
Subscription
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Your QA access includes all Planner features without a Stripe subscription or charge.
Password
Account session
Sign out of the Debt Payoff Planner on this browser.
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. The Planner checks for browser reminders while it's open; email reminders are sent to your sign-in email.
Reference
Help & 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 doesn't 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 doesn't change modeled payoff time or interest.
- Compare, Scenario Lab, and exploratory Plan Tools start from Current authoritative balances: the latest recorded Actual carried forward, plus later-added debts at their saved balances until a check-in records them.
- Scenario Lab compares a proposed balance transfer or consolidation loan with the selected Current debts under the plan's active payoff strategy.
- Scenario Lab treats modeled total costs as similar when their difference is at or below the greater of $25 or 1% of the Current baseline's modeled total cost. This avoids presenting a small modeled difference as a meaningful cost advantage.
What the Planner doesn't do
- No bank connections, credit pulls, transaction syncing, or lender applications.
- The Planner doesn't guarantee approval, qualification, savings, payoff dates, or credit-score changes. Compare and Scenario Lab show modeled estimates, not guaranteed outcomes.
- The Planner doesn't recommend which strategy or product you should choose.
- If the same Planner data is changed in two places, the Planner may ask which version to keep or preserve a recovered copy instead of overwriting changes.
Backups and recovery
Download a .dohplan backup to keep a separate copy of your Planner data. Importing a backup requires active Planner access and adds the backup data without replacing your existing cloud plans. If the backup contains a plan that already exists, the imported version is added as a separate recovered copy.
Plan, Actual, and Current projection
- A check-in is Ahead or Behind only when its actual balance differs from the Plan projection saved with that check-in 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 Monthly Check-In balances are the starting point for the Current projection. 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 from their effective month forward, and never reapplies the original Month 1 one-time Extra.
- Saving, editing, or deleting a check-in updates the Current projection automatically when the latest valid actual balances change. It never changes Plan Setup. Use Plan Setup whenever you want to change the Active Plan itself.
- Payment records and monthly balance check-ins serve different purposes: payments document what you paid, while check-in balances determine the Current projection. A payment record by itself doesn't create 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 site reminder service is enabled. Delivery timing is not guaranteed, so use creditor statements and account alerts to confirm payment due dates.
- Reminder settings can include payment due dates, scheduled APR changes, and the monthly check-in. Reminders don't initiate payments or contact creditors.
Cloud storage, offline use, and subscription access
Your signed-in Planner data is stored with your account. This browser also keeps a local copy of saved Planner data so it can sync when you're back online. Editing Plan Setup doesn't save or queue changes until you select Save plan. Free-trial access must be verified online; temporary offline editing is available only after this browser has recently verified paid access.
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 redact it or replace it with synthetic values.
Unsaved Cash Flow changes
You have unsaved Cash Flow changes. Stay here to review them, or discard the changes and continue using the last saved Cash Flow settings for this plan. Plan and Current haven't changed.
Unsaved Plan changes
You have unsaved Plan changes. Stay here to review them, or discard the changes and continue using the last saved Active Plan.
Replace your current plan with this earlier version?
If you save these settings, they'll replace your current plan with the earlier version you opened.
- A new Plan Version History record will save this change.
- Progress history and check-ins won't change.
- Monthly Plan payment history won't change.
- Previously saved comparisons won't change.
- The Plan projection will recalculate from the restored settings.
- Your updated payoff estimate will use the latest recorded balances and the restored plan settings.