See exactly how to pay off your debt.
List every balance, see how much money you have available each month, and receive a clear payoff order with your estimated debt-free date.
Focus your extra payment on the highest-interest account while maintaining every required minimum.
Your monthly cash flow
Start with your take-home income and the money you need for regular monthly expenses.
List all your debts
Include credit cards, personal loans, car loans, medical balances and other accounts you want to pay off.
Your road to debt freedom
Here is your projected payoff path.
Start with your priority debt.
Your recommendation will appear here after the plan is built.
Avalanche vs. Snowball
Same income, expenses and debts — here's how each strategy plays out so you can choose with your eyes open.
Both strategies use the same monthly debt budget. Avalanche usually finishes with less total interest paid; Snowball usually clears your first account sooner.
Which debt to attack first
Continue paying every required minimum. Send your additional payment to the first active debt below.
Watch your balance move toward $0
This projection assumes the same monthly payment amount and no new charges.
Want help deciding what to pay off first? Veto can walk through your plan with you.
Ask Veto →Keep track of money you're expecting back.
Document who owes you, track partial repayments, set an expected payback date and create a reminder so nothing gets forgotten.
Expected repayments should not be treated as available income until the money is actually received.
Upcoming follow-up reminders
These reminder dates are approaching or have already passed.
Document money owed
Record the agreement and update it whenever money is repaid.
Money you're expecting back
Review active balances, upcoming due dates and completed repayments.
Record a repayment
Add money that has been received.