Analyze debts against 25 repayment strategies, ranked by net savings and your Debt Done Date.
Start fresh, load a saved scenario, or jump into a sample plan to see how it works.
Tell us about your loan and debts — we compare every option for you on the Results screen. Margins, floor, ceiling and LTV limits are set for you — tucked into Advanced below if you want to adjust them.
Pick what you’re modeling — then every option (HELOC, refinance, recast, avalanche…) is compared for you on the Results screen.
Every dollar deposited offsets loan principal — lowering the daily balance interest is charged on — while staying available to spend.
Bonuses, tax refunds, sale proceeds — any lump sum landing once, in the month you choose.
Every dollar that stays in your account works to reduce the balance you’re charged interest on. Enter your regular spending so we can model what’s left each month.
Month-by-month plan detail. Interest posts at month-end and is drawn from the line on the 21st of the following month — exactly how the account behaves.
Money no longer feeding a mortgage can start building up for you. After the All-In-One | TMS pays off, the monthly amount below is set aside until the month savings ends.
Give this plan a name so you can find it later under “Open a Saved Plan.”