Protect a little first
Optionally earmark emergency savings before attacking debt so one car repair doesn’t put everything back on the cards.
What should you do with a tax refund?
A refund feels like free money — until it’s gone and the same high-APR cards are still there. DebtSelector helps you split refund cash between savings and targeted payoffs.
Wipe out whole balances when you can
Clearing a card entirely frees a minimum payment and can drop utilization. Partial payments still help — DebtSelector shows both.
Check the Worth It outcome
See cashflow gained and interest impact before you send the money so the “feel good” plan matches the math.
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Ready to run your numbers?
Free to start. Unlock the full report for $2.99 — access lasts 10 days on this device.