Debt Lifter

Don't be led by a number. Manage your numbers. What happens if you change your payment? Pay on a different schedule? Make a purchase while you're paying down a credit card? See what happens before you decide. Debt Lifter helps you build a payment plan, explore its projected results, and track it as you go. Use your own information to compare choices and see how today's decisions could change your interest costs and payoff time. GO BEYOND CHOOSING WHICH DEBT COMES FIRST Snowball prioritizes smaller balances. Avalanche prioritizes higher interest rates. Debt Lifter puts another question in your hands: What could changing this payment plan do for me? Explore different payment plans. Compare amounts, interest, and projected payoff timing. Try a shorter credit card payoff goal and see the payment it would require. You can explore a different outcome before committing to a plan. LOOK AT BORROWING FROM MORE THAN ONE ANGLE Compare two loan offers and solve for a missing loan amount, payment, rate, or term using the other three numbers. Save your offers, then carry a selected loan into the Loan Calculator to explore payment options. BEFORE YOU BUY, SEE WHAT CHANGES Imagine you're heading to college and need a bicycle. You've saved a loan offer from your credit union. At the bike shop, you're offered another financing option. Pull up your saved offer and compare the numbers. Considering your credit card instead? Explore how the purchase would affect your card's payoff plan and the payment needed to maintain your goal. The price tag tells you what the bicycle costs today. Debt Lifter helps you explore what paying for it could mean over time. PUT YOUR PLAN INTO MOTION Prepare a payment-plan to use when arranging payments with your bank or lender. Save your worksheet and add its schedule to the Payment Register. Track income, loan and credit card payments, regular bills, and everyday spending—from groceries to a cup of coffee. See upcoming obligations alongside payments recorded as Sent and your running balance. WHEN LIFE CHANGES, YOUR PLAN CAN CHANGE Have extra money for one upcoming payment? Edit that Pending payment, review the change, and confirm it. The linked calculator updates its projections while your regular payment amount stays in place. As your choices create room in your budget, you can decide whether to put that money toward another payment or a rainy-day fund. Build a plan. See the possibilities. Track your progress. Debt Lifter provides estimates based on the information you enter. Actual lender calculations, fees, and payment processing may differ. It tracks payment records and schedules; it does not send payments or verify bank transactions. Debt Lifter is an informational calculator, not financial advice, and does not recommend a lender or borrowing decision.