1. Add each debt. Click "+ Add debt" below and fill in the name, current balance, and payment. Also fill in "High bal" - your original/starting balance - so the payoff-progress bars know how far you've come.
2. Enter APR for every debt. Without an interest rate, "months to payoff" can't be calculated correctly - it just guesses balance ÷ payment, which is wrong once interest is involved. Debts missing an APR show up in a "Needs APR" warning on the KPI row so you don't forget one.
3. Trend history logs itself. Every time you save a change to a debt, today's total is automatically snapshotted into the chart. You never have to manually plot anything - that was the whole point of building this instead of the old spreadsheet.
4. 401k and savings are optional but recommended. If you use a 401k loan or a savings buffer as part of your payoff strategy, fill those sections in too - they get their own trend charts the same way.
If you go more than 30 days without an update, a reminder banner will show up here automatically - you don't have to remember on your own.
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Total debt: history and projection
Actual (your snapshots)Projected (current payments, current APR)
Edit history entries
Payoff order - what frees up next
Sorted by soonest to hit zero at current payments. Bar shows how much of the original balance is already paid down.
Debts
Name
Stage
Balance
High bal
APR %
Payment
Months
Interest
Your stages
1 - Replenish savings/deposit funds ($1k+) · 2 - Pay off accounts under $1k · 3 - Attack over $1k · 4 - Address 401k loan · 5 - Vehicles and mortgages · 6 - Zero APR leftovers