Debt Freedom Planner

Month-by-month debt payoff forecasting with strategy switching, cash-flow planning, and reforecasting.

Plan controls

Start month

Liquid savings ($)

Emergency fund floor ($)

Normal monthly debt budget ($)

Initial lump sum ($)

Default strategy

Keep total debt budget constant after payoff

Debts and changing minimums

Minimum methods are estimates. Use “Manual fixed” when you want statement-level control.

Income, expense-cut, windfall, and strategy events

Positive values increase debt capacity. Negative values model a tighter month or an unexpected expense. Strategy events take effect in their selected month.

Actual balance overrides

An actual override replaces a debt’s projected ending balance for that month. Future months reforecast from the entered actual balance.

This month

Milestones

Total debt projection

Month	Strategy	Beginning	Interest	Available	Paid	Actual adj.	Ending	Target

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