Your Financial Blueprint — Summary
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Shared tools
Debt & Credit
One list of debts and cards powers your payoff plan, utilization, DTI and budget. Cards are entered once — their balances count as both debt and revolving utilization, never twice.
Debts & cards
| Name | Type | Balance | Minimum | APR | Due day | Limit (cards) | Actions |
|---|---|---|---|---|---|---|---|
$ | $ | % | $ | ||||
$ | $ | % | $ | ||||
$ | $ | % | $ | ||||
$ | $ | % | $ | ||||
| Totals | $13,180.00 | $435.00 | |||||
Payoff simulator
Snowball (smallest balance first) vs Avalanche (highest APR first)
Avalanche targets the highest APR first to minimize interest. Minimums are paid on every debt; freed-up payments roll to the next target.
Snowball months
25
Interest $1,319
Avalanche months
25
Interest $1,283
Interest difference
$36
Avalanche usually saves the most
Monthly debt budget
$585
Snowball order
- Store card
- Medical plan
- Visa Rewards
- Car loan
Avalanche order
- Store card
- Medical plan
- Visa Rewards
- Car loan
Estimate only, ignoring fees and rate changes. Not financial advice.
Credit utilization
Per card and overall, with the paydown to reach the 10% target
Overall utilization
39.7%
Total balances ÷ total limits
Card balances
$2,780
Card limits
$7,000
| Card | Balance / Limit | Utilization | Status | 10% target | Pay to reach 10% | Pay to go below |
|---|---|---|---|---|---|---|
| Visa Rewards | $2,400.00 / $6,000.00 | 40.0% | Above 10% | $600.00 | $1,800.00 | $1,800.01 |
| Store card | $380.00 / $1,000.00 | 38.0% | Above 10% | $100.00 | $280.00 | $280.01 |