DebtSelector

DEBTSELECTOR

Product

How DebtSelector works

A straightforward workflow built for people comparing real options — not a loan application.

  1. Step 1

    Enter your debts

    Add each balance, monthly payment, APR, and credit limit on cards so utilization can be calculated.

  2. 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.

  3. Step 3

    Get a recommendation

    DebtSelector splits the money across full payoffs, a smart partial payment, and savings — then explains why.

  4. Step 4

    Compare the impact

    See monthly cashflow gained, interest saved, and credit utilization before vs after.

Ready to run a scenario?

Your data stays on your device. Export a backup anytime if you switch phones.

Open the optimizer