RealiPlan models every card, every rate, every paycheck — then shows you the path out, down to the month.
Time remaining
18 months
Interest saved
$5,400
Debt paid
$24,000
Remaining
$45,000
Interest saved
$5,400
February payments
APRs vary card to card. Promo windows expire mid-quarter. Due dates drift from pay period to pay period. Three debts, three mental models.
Which card do you attack first? What happens if your income shifts in June? A spreadsheet locks the answer; real life doesn't stand still.
"Sometime next spring" is hope. "Aug 12, 2027" is a plan. RealiPlan is built around the second kind of sentence.
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 your exact debt-free date and the total interest you'll save along the way.
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.
We don't average your income. We put each paycheck on the calendar, then match every bill and extra payment to the week it can actually clear.
Pro users get an AI pass over the full portfolio: recommended strategy with a confidence score, prioritised next actions, and estimated savings.
Break-even APR, balance-transfer fees, promo timelines — the AI weighs them together and tells you when consolidating actually saves money.
Load debts from a spreadsheet, export a snapshot at any time. No bank login — ever. Your data is always yours.
Snowball, Avalanche, or a Hybrid cut by APR. Pro users get the recommendation with a confidence score, prioritised action items, and a consolidation check, generated from their real debts.
Strategy comparison
Your highest-APR debt (Chase Sapphire, 24.99%) is nearly 20 points above your lowest non-promo rate. Prioritizing it minimizes total interest paid.
Smallest balance first — fast wins to build momentum.
Total Interest
$4,200
Months to Free
22
Savings vs. Minimum
$1,840
Highest APR first — minimizes total interest paid.
Total Interest
$3,400
Months to Free
21
Savings vs. Minimum
$2,640
Avalanche on >20% APR, snowball on the rest.
Total Interest
$3,600
Months to Free
21
Savings vs. Minimum
$2,440
Focus extra payments on Chase Sapphire
At 24.99% APR, every extra dollar here saves the most interest. Target ~$575/mo until it's gone.
Est. savings: $120/mo
Set calendar reminder for Citi promo expiry
The 0% promo on your $4,800 Citi balance ends Mar 2027. Pay the remaining balance before then to avoid deferred interest.
Accelerate Best Buy Card payoff
At 22.99% APR and a small $1,200 balance, you can kill this in 3 months for a fast confidence win.
Est. savings: $45/mo
Your weighted APR is already below the typical personal-loan range. A balance transfer on the Best Buy card could still save ~$140 if you qualify for 0% for 12 months.
Break-Even APR
16.5%
Est. Savings if Consolidated
$340
Model: claude-sonnet-4-6
Generated: Feb 3, 2026 · 9:41 AM
Every dollar, tracked against the plan you set.
Avalanche prioritization picks the highest-rate debt first — automatically.
Watch interest shrink as your principal bars grow gold.
I'd been staring at five card statements and a half-finished spreadsheet for two years. RealiPlan gave me a date. That's all I needed.
Four minutes to set up. No bank login, no credit card. A real payoff plan built from your real numbers.