Debt Payoff Timeline — The Finance Reset Program

Your debts, in payoff order

Enter each debt in the order you'll attack them — smallest balance first (snowball), highest rate first (avalanche), or your own order.

#	Debt name	Balance ($)	Rate % pa	Min. payment / mo ($)

Tip: The order you enter debts here is the order they'll be attacked. Debt 1 gets all extra payments until it's gone, then its freed payment rolls into Debt 2, and so on. Use the Strategy Comparator if you haven't chosen your method yet.

Monthly acceleration

Extra amount you'll pay above all minimum payments each month.

Extra monthly payment

This is the amount from your Day 4 acceleration calculation — the savings freed up from Week 1 plus anything else you can consistently add. Enter 0 to see a minimum-only timeline.

Full payoff sequence

Each debt's payment grows as freed minimums roll forward.

Debt	Monthly payment	Interest paid	Paid off

Payoff timeline

Visual view of when each debt is cleared.

Acceleration vs minimums only

What your extra payment achieves over the full payoff period.

Your debt-free date card

Screenshot this and put it somewhere you'll see it — phone wallpaper, bathroom mirror, wallet.

The Finance Reset Program

I will be debt-free by

—

From the lesson

"Write your debt-free date somewhere visible right now."

This date is an estimate — life will create variations. That's fine. The point is giving the journey an end point that makes it feel real and finite, not vague and endless. A debt-free date is not a wish. It's a calculation.