Every debt in one place. Enter each debt's balance, interest rate, and minimum payment to see your total position, debt-to-income ratio, and which debts to target first.
1
Your debts
Add every debt you carry — credit cards, loans, BNPL balances, everything. Don't exclude anything regardless of size.
Debt name
Type
Balance
Rate (% p.a.)
Min. payment
2
Monthly take-home income — for DTI ratio
Used to calculate what percentage of your income is going to debt minimums. This is your debt-to-income ratio.
$
↑ Pre-filled from your Gap Calculator
Your after-tax income. From Week 1, Day 2 — or enter it fresh here if you haven't calculated it yet.
"Debt is frightening in the dark. In the light, it's a list of numbers with a payoff plan attached. You've just turned on the light."
Write down your total debt balance and your total minimum payments. These are your two reference numbers for the week. The total balance is what you're working to eliminate. The minimum payments figure tells you how much of your income is already committed.