How it works
How DebtPlan.me works
DebtPlan.me helps you know which debt to pay first by comparing payoff strategies from the numbers you enter yourself.
What to know
Enter your debts manually
You enter the debt name, balance, APR, minimum payment, and any fixed-loan terms you know. DebtPlan.me does not require bank logins or credit pulls.
- Credit cards
- Personal loans
- Student loans
- HELOCs and other entered debts
Compare payoff paths
The calculator compares different ways to order debts and roll payments forward so the tradeoffs are visible in plain English.
- Speed
- Interest cost
- Payment comfort
- Simplicity
Review the plan assumptions
Every projection depends on the numbers entered. APR changes, missed payments, new balances, or lower extra payments can change the timeline.
FAQ
Does DebtPlan.me connect to my bank?
No. Users manually enter debt information. The tool does not require bank logins or credit pulls.
Is DebtPlan.me financial advice?
No. It is an educational planning tool. Final decisions should be reviewed against your lender statements and personal situation.
Related reading
Make it personal
Build your payoff plan from your real numbers.
Enter your debts once, choose your goal, and see which debt to pay first.