Loan Calculator

• High-interest debt is the priority

  Until high-APR balances are cleared, returns from investing rarely outpace the cost of carrying the debt.

• Snowball vs. avalanche

  Avalanche (highest rate first) saves the most money. Snowball (smallest balance first) builds momentum faster. Both work — pick the one you'll stick with.

1. Step 1
   Payoff plan
   See your real payoff date.
   Open
2. Step 2
   Budget room
   Free up cash to accelerate payoff.
   Open
3. Step 3
   Emergency fund
   Avoid sliding back into debt.
   Open
4. Step 4
   Start investing
   Put freed cash to work.
   Open

• Debt Payoff PlannerPartnerOrganises balances and minimum payments in one view.Useful alongside the Debt Payoff calculator to track real-world progress.
• Budgeting WorkspacePartnerCategorises income and expenses across accounts.Helpful for users who want a clearer monthly cash-flow picture.

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