Your debts have a payoff order. See yours in about two minutes.
Most households pay whatever each statement asks, in whatever order the bills arrive — and the interest quietly runs the show. This program starts with one free step: tell us where to send the starter guide, and the two-minute calculator opens right behind it — two honest paths side by side, from a few basic numbers: keep paying the way you are now, or follow a step-by-step payoff order on the money you already spend.
Start Free — Guide First, Then My NumbersNo account numbers. No credit pull. Nothing you type into the calculator leaves this page.
How the program works
A 90-second walkthrough: what the calculator shows you, what the full plan adds, and how the pieces fit together. (Video coming soon — the steps below work right now.)
What happens next
Four steps. No appointments, no sales calls, no one looking over your shoulder — you move at your own pace, and each step is finished before the next one asks anything of you.
A person on our team handles your application from there — everything before that is automatic, on your schedule.
Step 1 — Start with the free starter guide
A one-page plain-language guide: how the payoff order works, one worked example with real math, and the checklist of statement numbers you'll want for the full plan. We'll email it to you right away — and the moment it's on its way, the two-minute payoff calculator opens right below this form. One form does both; there is no second signup.
Step 2 — The two-minute payoff calculator
This is a snapshot, not the full plan: seven quick numbers, worked from averages, showing your two debt-free dates and the shape of the gap between them. The month-by-month plan — every debt, every payment, in payoff order — is what the full plan builder creates from your actual statements, and it stays behind the unlock below.
Your calculator opens after step 1
The calculator is free — it unlocks the moment your starter guide is on its way. That one short form above is the only gate: no account to create, no payment, nothing else to fill in.
Go to Step 1 — the Free GuideCalculator assumptions (plain language)
The "paying as you do now" path models minimum-payment behavior: each non-mortgage debt is paid at its interest plus 1% of the balance (a $25 floor) — the way most card minimums are built — and the balance is split evenly across the number of debts you entered, all at your average APR. The payoff-plan path keeps your total monthly outlay the same (what you pay now, plus any extra you add), pays the minimum on everything, and aims every remaining dollar at the smallest balance first, rolling each freed payment into the next debt until the list is clear — then rolls the whole amount to the mortgage if you included one. A mortgage you include is modeled at a standard 30-year payment using an assumed rate of — adjust it if yours differs. Rates are held fixed, payments are assumed on time, and no new borrowing is added. Change any number and the picture updates.
Paying as you do now
- Estimated total interest
- —
- Time under minimum payments
- —
The payoff plan — smallest balance first
- Estimated total interest
- —
- Same monthly outlay
- —
That's the snapshot. Your plan already has a shape.
This quick calculator treats your debts as one blended pool — it can show you the two dates, but not the order your debts fall in or the month each one disappears. Here is the shape of your plan, from the numbers you just entered:
The first debt is real. The rest of the order — each debt named, the month it clears, the exact amount to send — is what the full builder prints from your real statements, debt by debt. One $9.97 payment opens it — no appointment, no sales call.
See My Full Month-by-Month Plan — $9.97There is a third path — and it needs your real statements
For the right household, a properly designed permanent life insurance policy can retire individual debts in full, one at a time, instead of one payment at a time — the freed payments then repay the policy loan on a schedule you control, and the policy stays in place as a family asset after the debts are gone. Whether that path beats the payoff plan alone depends on your exact debts, your health, and a real carrier illustration — which is why this free calculator shows no policy numbers at all. The month-by-month version of your plan, with the policy path modeled honestly beside the other two, is what the full plan builder below creates from your actual statements.
Please read: everything on this page is an estimate built from the numbers you entered, assuming fixed interest rates, on-time payments, and no new borrowing. It is financial education, not a promise of any payoff date or savings figure, and not personalized financial, tax, or legal advice. This program is not debt settlement or credit repair: we never negotiate with your creditors or ask them to accept less than you owe.
Unlock your complete Get Out of Debt system
The free calculator works from averages. The full builder works from your statements — every debt, every rate, every payment — and hands you a finished plan.
- The full calculator: enter each debt exactly as it appears on your statements, plus your household cash flow, guided step by step.
- Three paths, one monthly outlay: paying as you do now, the payoff plan alone, and the payoff plan with a properly designed life insurance policy modeled beside it — including the policy-loan schedule, month by month.
- Your personalized plan report: generated on the spot — where you stand today, the three paths at a glance, a year-by-year map, and your first 90 days.
- Straight to the next step: your report ends at our life insurance application, pre-matched to the information the carrier will ask for. Our office reviews and submits it — you never have to book a call.
$9.97 one time. Not a subscription. The same $9.97 whether your debts total $8,000 or $180,000.
Why charge anything at all? Because a plan built from real statements takes real commitment to finish. $9.97 is a seriousness filter, not a price tag — and it is stated here, before you pay, never after.
Unlock the full Get Out of Debt system — $9.97
How it works, start to finish
No calendar. No sales appointment. You do the parts only you can do — your numbers — and the system does the rest.
Start with the free guide
One short form sends the starter guide and opens the quick calculator.
Run the free calculator
Two minutes, seven numbers, two paths side by side.
Unlock the full builder — $9.97
One payment opens the complete calculator and report.
Enter your real statements
Guided, debt by debt, with short explainer videos at each step.
Get your plan — apply when ready
Your report generates instantly: three paths, year by year, first 90 days — and walks you into our life insurance application if the policy path fits. We review, submit to the carrier, and bring your approved plan back to you.
Straight questions, straight answers
Is this debt settlement or credit repair?
No. We never contact your creditors, never ask them to accept less than you owe, and never dispute items on your credit report. This is education and planning: a payoff order, honest math, and — where it fits — an insurance policy you own.
Do I have to buy life insurance to use the plan?
No. The full builder always shows the payoff plan without the policy beside the policy path. Some households are better served by the payoff plan alone — shorter timelines, health situations, tight budgets. Your report shows both, and the choice stays yours.
Are the dates on this page guaranteed?
No — they are estimates from the numbers you entered, under the assumptions listed with the calculator. Life happens: rates change, payments slip, new charges appear. The plan's job is to give you an order and a target, and to be re-run when your numbers change.
What does the $9.97 actually buy?
Access to the full plan builder: the complete debt-by-debt calculator, the three-path simulation, the loan-event schedule for the policy path, and your personalized plan report — plus the companion guide that walks through the method in full. One payment, no subscription.
What happens after I complete the application?
Our office reviews everything, a licensed agent finalizes the policy design from a real carrier illustration, and we submit it to the carrier for approval. When it's approved, your plan comes back to you with its first steps scheduled. The only time you'll hear from a human is when there's something real to tell you.
Is this a loan?
No. This is an education program with a calculator and a plan report — we lend you nothing, open no credit line, and pull no credit. A policy loan only enters the picture later, if you choose the policy path and a carrier issues you a policy: that loan would come from the carrier, secured by your policy, and it accrues interest. Your report explains the mechanic in plain language before you ever decide.
Is the $9.97 one-time?
Yes — one payment, one time. It is not a subscription, there is no monthly charge, and re-running your plan with new numbers costs nothing.
Do I have to talk to anyone?
No. The calculator, the full builder, and your report are all self-serve — there is no sales call and no appointment anywhere in the process. A person on our team steps in only after you submit an application, to review it and handle the carrier side. Questions in the meantime go by email, on your schedule.
What if the plan says the policy isn't right for me?
Then your report tells you exactly that — and puts the payoff-plan-only path in front of you, which needs no policy and no application. The builder compares the paths honestly on purpose: for some households — a short timeline, a tight budget, a health situation — the payoff order alone is the better answer, and when it is, the report says so. Your $9.97 bought the full plan either way.