What is in your downloaded plan?
Your downloaded PDF is a complete, custom-built schedule based on the exact debts, interest rates, and payoff strategy you selected. It is formatted for standard A4 printing and includes:
- Your Debt-Free Date: The exact month and year you will make your final payment.
- Interest Savings Summary: A clear breakdown of how much money your chosen strategy (Avalanche or Snowball) is saving you compared to only making minimum payments.
- Payoff Dates for Each Debt: A timeline showing exactly when each individual credit card, loan, or overdraft will be cleared.
- The Full Month-by-Month Schedule: The most important part of the plan. This table shows you exactly how much you need to pay to each lender, every single month, from now until you are completely debt-free.
How to get your plan
If you have landed on this page directly, you need to generate your plan first. The process is completely free, requires no account, and takes less than two minutes.
- 1Go to the Calculator and enter your current debt balances, interest rates, and minimum payments.
- 2Choose your strategy (Avalanche or Snowball) and see how much extra you can afford to pay each month.
- 3“Calculate My Plan” to generate your results.
- 4On the final screen, click the green “Download Free PDF” button on the right-hand side.
Privacy Note
Your downloaded plan is generated entirely within your web browser. We do not store your financial data, and we do not keep a copy of your PDF.
What to do with your plan
A plan only works if you stick to it. Once you have downloaded your PDF, we recommend printing it out and keeping it somewhere visible — pinned to your fridge, taped to your home office wall, or kept in your financial folder.
Every month, as you make your payments according to the schedule, cross that month off the list. Watching the remaining months shrink is one of the most effective ways to stay motivated on the path to becoming debt-free.