YOUR NEXT CHAPTER
A clearer path out of debt.
Make a plan you can understand. Adjust it as life changes.
Save an encrypted cloud plan or download a file.
Unsaved edits remain in this browser session.
Plan date: 2026-10-31. Individual statement dates are retained in your financial starting point.
Your financial records are separate from the public website. Unknown values never become zero.
Password-protected plan backup
Encryption and decryption happen in this browser. The password is not sent to the server. This backs up planning inputs, not bank access, subscriptions or passkeys.
Your financial starting point
Add what you know now. Blank amounts stay unknown and can be saved. Calculations stay paused until all required information is reviewed. Do not enter account numbers, passwords or Social Security numbers.
Debt records
Use a statement balance and date. Verify today's balance before marking a record reviewed. For mortgages, payment means principal and interest; put escrow in living expenses. Deferred-interest offers and multiple APR buckets need careful review in the debt-terms tools before relying on forecasts.
Monthly cash flow
Use take-home pay, not annual gross salary. Count spending once: exclude transfers and debt payments already listed above. Confirm a one-time extra payment is cash available after protecting your reserve.
- Confirm that all debts are included, including any mortgage and other loans.
- Enter monthly take-home income; use 0 only if you mean zero.
- Enter living expenses excluding listed debt payments; use 0 only if you mean zero.
- Enter monthly reserve contribution; use 0 only if you mean zero.
- Enter monthly extra payment; use 0 only if you mean zero.
- Enter one-time extra payment; use 0 only if you mean zero.
- Confirm the budget amounts, including escrow and no duplicated transfers or repayments.
You can save an incomplete draft with Save to cloud above, or download a private plan file. No payment or bank connection is made.
Optional bank connections and loan details
Manual setup works without linking a bank. Production access depends on the configured provider. Imported details still need review and never activate a draft automatically.
Connect accounts with Plaid
You choose which institution and accounts to share in Plaid Link. This app never asks for your bank password. Account tokens and cached records are encrypted on the server and scoped to your signed-in account.
The owner must configure the Plaid client ID, matching environment secret and approved access before connections can be tested. No account is connected merely by opening this page.
Spending connections use Transactions. Mortgage and loan connections use Liabilities and can include supported mortgage, credit-card and student-loan details. A lender may support only one connection type; availability varies.
Sync retrieves Plaid’s available data on request; it does not force a bank refresh. Verified Plaid notifications can update data in the background when configured. Bank update frequency varies; daily freshness is not guaranteed. No money is moved. Cloud plan deletion and bank disconnection are separate controls.
Review mortgage & loan details
Connect mortgages & loans below, then sync. Load the results here to import a reviewed balance, rate, payment and due day into your household payoff plan.
An educational planning beta. Estimates are not personalized financial advice. Bank connectivity requires configured Plaid access and your consent. No payments, credit applications or human coaching are included. Projections stop at 600 months or a $10 billion account balance. Student loan forgiveness and lender-specific payment allocation are not modeled. Dedicated mortgage and HELOC worksheets state their own assumptions. Read the assumptions ↗