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Debt and Interest Reality

See how balances, interest, and payments behave each month.

Is a 0% APR Balance Transfer Actually Cheaper?

Turn transfer fees and promo timelines into a real monthly payment.

Why the Minimum Credit Card Payment Keeps You Stuck

See how interest absorbs most of a minimum payment.

How Fast Can I Pay Off My Student Loans If I Add $50?

Turn a small extra payment into months saved and interest avoided.

How Much Car Payment Can I Handle Without Feeling Broke?

Set a car payment based on the full monthly auto cost.