See what to pay next, how extra payments fit around upcoming obligations, and when you could be debt-free as your numbers change.
Illustrative example — not a customer result. Assumes an 18% APR, fixed $500 monthly payments, no fees or new charges, and an adjusted final payment.
APRs vary card to card. Promo windows expire mid-quarter. Due dates drift from pay period to pay period. Three debts, three mental models.
Spreadsheets work, but keeping balances, rates and due dates current takes upkeep. RealiPlan organizes those details so you can review what to pay next.
See a projected payoff month based on the information you provide, then update it when your income, obligations, or payments change.
Income with its real schedule, every recurring bill, every debt — APR, balance, promo rate, minimum payment.
Snowball for momentum, Avalanche for savings, or let the AI weigh them against your portfolio and recommend a Hybrid.
A month-by-month projection with an estimated payoff date and interest totals based on your current inputs.
Every promo window is modelled with its expiry date and the rate it jumps to. RealiPlan flags the card before the interest wall hits.
Same debts, same income — two strategies. Compare month-by-month payoff and total interest with your actual numbers, not a generic calculator.
Place expected income and known obligations on a calendar. Review the displayed cash-check horizon and update your numbers before making an extra payment.
Pro users can ask AI to explain strategy tradeoffs, possible next actions, and estimated outcomes based on the debt details provided.
Compare rates, fees and repayment periods in consolidation scenarios. AI can explain the results; verify actual lender terms before applying.
Load debts from a spreadsheet, export a snapshot at any time. No bank login required — manual and CSV always work. Your data is always yours.
Four minutes to set up. No bank login required, no credit card. A payoff projection built from the numbers you provide.