The SMART Payoff System

Your progress

$31,420

remaining debt

$7,330 eliminated · 19% of your starting debt is gone.

Projected debt-free date

January 2029

You started on a path toward September 2031.

You’re 32 months closer.

Current target

Chase Visa

$175 minimum + $200 extra

What If?

Try +$25/month

See how one small change affects your payoff date.

Life Happened

Plans changed?

Update your reality without erasing your progress.

Your next milestone

You’re closing in on 25% paid off.

Every payment moves the marker. Keep going.

Starting debt

$38,750

Paid off

$7,330

Strategy

Avalanche

Extra monthly

$200

Step 1

Tell us what you owe.

No judgment. This is simply your starting point.

Add a debt

Name

Balance

APR %

Minimum

Debt type

Step 2

Choose how aggressively you want to pay.

Strategy

Extra amount each month

Strategy comparison

Choose the win that matters most to you.

Snowball focuses on quick wins. Avalanche focuses on reducing interest. The best method is the one you can stick with.

Your plan

Your next target will appear here.

Add debts and create a plan to generate your roadmap.

What If?

Small changes can move your date.

Try adding a little more each month without changing your real plan.

Custom extra monthly amount

Scenario result

Try a scenario.

Your real plan stays untouched.

Journey calendar

Your check-ins follow your journey — not the calendar year.

My Debt Journey

Your progress, month by month.

Monthly check-in

Update each debt with the real balance.

We’ll build the month automatically from the balances you enter. No manual total required.

Check-in period

Your year in progress

Your review is building every month.

Complete monthly check-ins and this becomes your full 12-month Year in Review automatically.

Months tracked

0

Debt eliminated

$0

Best month

—

Progress visualization

Watch the balance move over time.

A steady downward trend matters more than a dramatic month.

Actual balance Projected path