FREE TOOL · FIG. 09 · NO EMAIL WALL
The Debt Teardown.
Sequence your debts like a demo job. See both common orders side by side — then pick the one you’ll actually stick with.
DEBT 1
$
%
$/MO
DEBT 2
$
%
$/MO
$/MO
TWO COMMON ORDERS
Ugliest rate first (pays least total interest)1Y 9M
TOTAL INTEREST$1,830
Smallest balance first (fastest first win — momentum)1Y 9M
TOTAL INTEREST$1,830
Both orders clear the debt. Many people pick the one they’ll actually stick with.
If the minimums themselves don’t fit your floor, a nonprofit credit counselor (nfcc.org) is the right call — that’s not failure, that’s a pro for a pro-sized job.
NO MARKET PROJECTION — PURE AMORTIZATION. NOTHING YOU TYPE HERE IS STORED — IT RUNS IN YOUR BROWSER.
EDUCATION, NOT PERSONAL ADVICE — SEE THE FINE PRINT