PlainCents

Your current debts

Start by entering the debts you have today

Keep this simple. Enter the balances, APRs, and minimum monthly payments you are dealing with right now.

What to enter

  • Credit cards, personal loans, or other balances you owe today
  • Current balance for each debt
  • Current APR and minimum monthly payment

Why it matters

  • This becomes the baseline for every payoff comparison
  • It keeps snowball, avalanche, and consolidation grounded in the same facts
  • Cleaner inputs mean a less fake answer later

Debt inputs

Current debt stack

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