System 2 · Automation
The Debt Payoff Calculator
List your debts, add whatever you can spare each month, and see your debt-free date. Snowball or avalanche — with a recommendation that accounts for how you actually feel, not just the math.
DebtBalanceAPR %Min pay
$300
On top of the minimums, applied to your priority debt.
Snowball clears your smallest balance first — the quick win that keeps you going. It also happens to cost the least here — no trade-off to weigh.
Automate the payment and the schedule takes care of itself — no willpower, no missed months.
Put the payment on autopilot.
The Zero Chaos Money Plan automates your debt payoff alongside everything else — or start free with the Starter Kit.