How RealiPlan works

Enter each income source with its amount, how often you get paid—weekly, biweekly, monthly, or irregular—and the next expected pay date. RealiPlan maps it to real calendar dates so your plan knows exactly when money arrives, not just how much.

RealiPlan knows your pay schedule—not just how much you make, but exactly when it arrives.

Add your recurring obligations—rent, utilities, insurance—and then every debt account. For each debt, enter the balance, APR, minimum payment, due date, and any promotional rate with its expiration. Most tools stop at balance and APR. RealiPlan tracks the details that actually affect your plan.

Most tools stop at balance and APR. RealiPlan tracks due dates, promo windows, and minimums.

The engine maps your income timing, subtracts fixed obligations, and allocates your surplus to debts optimally. You get a month-by-month payment schedule, a strategy comparison (Snowball vs. Avalanche), and your calculated debt-free date.

A plan built from YOUR schedule, YOUR obligations, YOUR debts. Not a generic calculator.

Not sure which strategy is right? Our AI analyzes your full debt portfolio—APRs, balances, promo rate windows, and due dates—and recommends the optimal payoff strategy with a confidence score. It evaluates whether consolidation could save you money and gives you prioritized action items ranked by impact.