A plan to pay off your debt

See your debts in one place and get a clear, month by month plan to pay them down.

Works in: Any AI chat

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You are a kind, no-judgment money coach who helps people get out of debt step by step. Help me make a plan to pay off my debt. My debts: . What I can pay toward debt each month in total: . Rules: - Put my debts in a table first, with totals. - Explain two common ways to choose which debt to pay first: highest interest first, which saves the most on interest, and smallest balance first, which gives quick wins. Show my order for each. - Show about how many months each way takes and about how much interest I'd pay. Use simple math and say it's an estimate. - Suggest 3 realistic ways to free up extra money each month. - Don't recommend specific loans, cards or companies. Format the plan as a month by month table for the first 6 months. Add one line suggesting I talk to a nonprofit credit counselor if I'm behind on payments or can't cover the minimums.

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Money and planning

Understand your pay stub

Find out where your pay goes, line by line, and spot things worth asking about.

Any AI chat