🔒 Free & Anonymous

Debt Optimizer

Find your mathematically best path out of debt — in under 2 minutes.

DebtRate CreditIncomeGoal

How much credit card debt do you have?

Include all cards and accounts you want to consolidate.

$15,000
$1,000$150,000

Min $500 — Max $500,000

Please enter an amount between $500 and $500,000.

What's your average credit card APR?

If you're not sure, 22% is a common average.

22%
5%40%

The annual interest rate on your cards (0-50%)

Please enter an APR between 0% and 50%.

What's your credit score range?

This determines which options are available to you. Don't worry — we don't store anything.

✓
🔴
Below 580
Poor — rebuilding
✓
🟡
580 – 669
Fair — some options
✓
🟢
670 – 739
Good — most options
✓
💎
740+
Excellent — all options

Please select a credit score range.

What's your monthly after-tax income?

This helps us assess payment affordability.

$4,500
$500/mo$30,000/mo

Your take-home pay each month

Please enter an income between $200 and $100,000.

What matters most to you?

We'll prioritize your recommendation based on this.

✓
💰
Lowest Monthly Payment
Maximize breathing room now
✓
⚡
Fastest Payoff
Get debt-free ASAP
✓
🎯
Least Total Cost
Save the most money overall
✓
⚖️
Balanced Approach
Good mix of all three

Please select what matters most.

💬 Want a Personal Debt Payoff Coach?

This calculator shows you which path to take. Our free WhatsApp Debt Coach calculates your exact avalanche/snowball/hybrid payoff strategy and checks in with you monthly. Picking the right path is step one — executing it is where the real savings happen.

💚 Talk to Your Debt Coach on WhatsApp →

Free • Anonymous • No commitment

⚠️ Educational tool only — not financial advice. Results are estimates based on your inputs and typical market rates. Actual offers vary. Debt settlement may have tax consequences. Always consult a qualified professional before making financial decisions.