Debt & Financial Stress Tools
Choosing the right strategy is the first step toward financial freedom. Model your payoff timeline using deterministic math and choose the framework that fits your psychology.
Payoff Frameworks
Model the two most effective strategies for debt elimination based on either interest or momentum.
Interest Analysis
Unmask the true cost of your creditors. Visualize compounding mechanics and APR drag.
Loan Mechanics
Calculate total payoff costs and identify systemic traps designed to keep you in debt.
The Psychology of Momentum
Debt elimination isn't just about math; it's about behavior. Whether you choose the **Avalanche** (mathematical efficiency) or the **Snowball** (psychological momentum), the most important variable is your consistency. Our tools help you see the "Light at the end of the tunnel."