Adjusted Money
Debt payoff planner

Turn spending changes into a faster payoff.

Keep your current path and adjusted path side by side while you explore the everyday expenses you could redirect.

Step 1 · Your debt

Set your starting point

Click into any number to replace it. Blank fields are treated as zero while you type.

Live comparison

See both paths as you adjust.

1y 11m sooner · $2,496 saved
Current path

Keep your current payment

5y 8m

Debt-free April 2032

Monthly payment
$225
Total interest
$6,691
Total paid
$15,191
After redirectingAdjusted

Redirect $60 each month

Original payment$225.00
+
Redirected savings$60.00
=
Total payment$285.00
3y 9m

Debt-free May 2030

Total interest
$4,195
Total paid
$12,695
Redirect dashboard

See what changes your payoff path.

Every reduced expense is automatically redirected to your payment.

Payment mixMonthly
$285adjusted payment
Original payment$225.00
Redirected savings$60.00
Where the redirect comes from1 item
Coffee$60.00/mo
$720.00 redirected per year
Annual redirected$720

Money you’re choosing to give a more useful job.

Current annual payments$2,700
Potential annual payments$3,420
Step 2 · Spending habits

Build your own redirect plan

Add only the habits you want to explore. Your original monthly spending always stays visible beside the amount you think you can reduce it to.

How you spend
×
Original per month ↗$121.33$1,456.00 / year
After reduction$61.33$60.00 saved / month
Original spending total$121.33/ month$1,456.00 per year
Remaining spending total$61.33/ month$736.00 per year
Automatically redirected to debt$60.00/ month$720.00 per year