Free tool · Phase 2 of The Escape Plan
See your debt-free date.
List what you owe, add whatever extra you can find this month, and this will show you the exact month you finish — using the Debt Snowball, smallest balance first. No email required.
Run your numbers
What do you owe?
Everything except your mortgage. Nothing you type here leaves your browser.
Why smallest first
The math matters. Finishing matters more.
You need a win early
Paying the highest interest rate first saves a little more on paper. But most people quit before it works. Knocking out a small balance in six weeks is what keeps you in the fight.
The payment rolls forward
When a debt is gone, its payment doesn't go back into your lifestyle. It gets added to the next one. By the last debt you're throwing everything at it at once.
Extra is the whole game
Minimums are designed to keep you paying for decades. Try adding $50 above, then $200, and watch the date move. That gap is what cutting an expense actually buys you.
A date beats a feeling
"Someday" is not a plan. A specific month you can circle on a calendar is. Screenshot it, put it on the fridge, and work backwards from there.
Now go do it
A date is the start, not the finish.
Free guide
The Ultimate Guide to Debt Payoff
50+ pages of practical steps, plus a bonus budget workbook and expenses worksheet.
Get the guideThe full plan
Get Out of Debt
The four rules behind Phase 2, the articles, and where this sits in the five-phase Escape Plan.
See Phase 2The app
In the Black
A daily assignment that keeps you on the plan after the motivation wears off.
Get startedKeep the momentum going.
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