Get out of debt

Your debt freedom journey

Enter what you owe — or type the summary straight off your credit report — and see the payoff order, the date you are free, and the interest a plan saves you.

Private to you

Everything you type here stays on your screen. We are not a credit bureau, lender or credit repair company. If you connect accounts, we do not store your credit report or balances at all, and the connection itself is deleted automatically after 3 days. Save your own copy below and load it back whenever you like. See the privacy page.

Save a profile and this tool starts with your own numbers.

Step 1 — list what you owe

Connect your accounts to fill this in automatically, or copy each account from your credit report or statements: balance, interest rate (APR) and the minimum payment.

Pull in your real balances

Connect your card and loan accounts with a read-only, permission-based link and we will fill in balances, interest rates and minimum payments for you. Your bank login is entered with the connection provider and never reaches us, and the connection can be removed at any time.

Deleted after 3 days. We do not keep your credit report, balances, rates or payments — they are read live and shown only to you. The connection itself is erased automatically three days after you make it, and you can remove it sooner. Download your accounts below and upload the file next time so you never have to pay or reconnect again.

AccountBalanceAPR %Minimum / month

Step 2 — what you can add each month

Extra payment per monthCredit score (optional)

Step 3 — your plan

$44,500

owed across 3 accounts

Minimums: $850/mo
Extra: $250/mo
Debt free in: 48 months (4.0 yrs)
Interest paid: $7,473
Saved vs minimums only: $6,318 and 21 months

Payoff order: Credit card → Car loan → Student loan. Every time one clears, roll its payment into the next.

Step 4 — fund the plan with strategy

Cut this year's tax bill and send the difference at the highest-rate balance — see tax savings.
Business owners: entity, payroll and deduction choices often free the most cash — business strategies.
Protect the plan first: one uninsured event undoes years of payments — insurance strategies.
Then build the engine that replaces the payment — Wealth Engine™.

Walk this through with Monet

Paid add-on

Credit Report + Debt Freedom Plan

We pull your card and loan accounts with your permission and turn them into a written payoff plan: balances, rates, payoff order, your debt-free date, the interest a plan saves, and the tax and cash-flow moves that speed it up.

$11.57

Credit bureau report cost plus 10%.

Take it with you

Save a printable copy of your accounts, payoff order and a month-by-month tracker.

Keep your own copy

Save your accounts to your own device and load the file next time. Nothing is kept here, so you never have to reconnect or pay for the same information twice.

Invite a friend

We email them an invitation to run the same tool themselves. Your numbers, score and notes are never included.

Their name (optional)Their email

Where the numbers come from

Connected accounts are read-only balances and rates from your banks and lenders — not a credit bureau file. You can also get your free reports at AnnualCreditReport.com and type the balances above.

Ask Monet this

Tap a question to open Monet with it ready to edit. Educational guidance only — not tax, legal or investment advice.

Educational guidance, not personal advice. Outputs are illustrative, may contain errors, and should be independently verified before material decisions.