Product
How DebtSelector works
A straightforward workflow built for people comparing real options — not a loan application.
Step 1
Enter your debts
Add each balance, monthly payment, APR, and credit limit on cards so utilization can be calculated.
Step 2
Say how much you have
Use “I have $X” for a refund, bonus, or other cash. Optionally keep some in emergency savings first.
Step 3
Get a recommendation
DebtSelector splits the money across full payoffs, a smart partial payment, and savings — then explains why.
Step 4
Compare the impact
See monthly cashflow gained, interest saved, and credit utilization before vs after.
See a full sample report first
Load demo debts and view the unlocked layout for free — exact dollars, Worth It reasons, and which bills to hit. Then enter your own debts when you are ready.