Don't tank your credit
Keep the card. Ditch the debt.
A debt payoff dashboard built on Cash Flow Cycling. No new loan required, and no required credit card closures. See an estimated debt-free month from your own numbers. Results depend on your income, interest rates, card terms and payment habits.
How the Cash Flow Cycling estimate works
01
Paycheck in
Net pay minus rent or mortgage, car and other minimums becomes one lump sum on the Working Card.
02
Expenses cycle
Groceries, gas, utilities and bills go back on the card.
03
Interest
30-day estimate, always rounded up to the next dollar.
04
Repeat to zero
Every month carries forward until the balance is gone.