FREE / NO ACCOUNT / LOCAL DRAFT
Debt repayment scenarios
Compare highest-rate-first, smallest-balance-first and your entered order under the same monthly budget.
02 / REVIEW THE RESULT
Backup, restore and reset
Export JSON to keep a copy. Import is checked before you explicitly replace the draft. It cannot replace edits made while the file is being read.
The calculation has a scope.
Up to 20 balances and 600 months. A monthly approximation with fixed APR and fixed entered payments. Actual lenders may calculate interest and minimum payments differently. No financial advice or payment is provided.
Interest is rounded monthly to cents using APR ÷ 12, then fixed minimums are paid before extra money follows the chosen order. Paid-off minimums stay in the total monthly budget. No new borrowing, variable rates, fees, late payments or lender rules are modelled. A non-reducing balance and a 600-month horizon are shown explicitly.
Keep a copy you control.
The draft stays in this browser at this site address. No data is sent to a server. Browser storage may be unavailable or cleared; export before closing. Backups are limited to 256 KiB.
Correct invalid inputs and add or clear a pending list entry before exporting, printing or replacing the draft.
Keep actual transactions in Household Budget