The Path Out

Your personalized path out of debt starts here.

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Monthly Budget

Income

Expenses

Min Payments

Available

Expense Breakdown

Fixed Expenses

Custom Expenses

Total Expenses: $0

⚙️ Debt Calculators

Use these tools to explore different scenarios for paying off your debt faster.

Your Debts

Credit Cards

Fixed Loans

Extra Attack Payment

Amount from your available budget to accelerate debt payoff

Choose Strategy

Snowball: Quick wins, psychological momentum.

Strategy Comparison

Snowball

Smallest balance first

Time to Freedom

Interest Paid

Total Cost

Avalanche

Highest interest first

Time to Freedom

Interest Paid

Total Cost

Plan Results Breakdown

A clear comparison of total interest paid and payoff time for each strategy.

Debt Free In

Starting Debt

Total Fees

Total Interest

Total Cost

Payment Calendar

Your debt-free journey with actual dates

Compatible with Google Calendar, Apple Calendar, Outlook, and more

Payoff Journey

Click each milestone to see detailed monthly payments

Important Disclaimers

Questions or feedback? contact@solve4peace.com

Welcome to The Path Out! 🐹

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Disclaimer: This tool is for informational purposes only and is not financial advice. Results are estimates. Please verify calculations and consult a qualified financial advisor before making decisions.

I have read and agree to the disclaimers.

Choose Debt Type

Select the type of debt:

Credit Card

Revolving debt with APR and balance transfers

Fixed Loan

Term debt with fixed payments

Budget Setup

Let's build your monthly budget

Question 1 of 12

Add Expense

Expense Name

Monthly Amount

Add Debt

Debt Name

Current Balance ($)

Minimum Payment ($)

Interest Rate (%)

Original Loan Amount ($)

Original Term (months)

Balance Transfer (Optional)

Intro Rate (%)

Intro Period (months)

Transfer Fee (%)

Debt Consolidation Calculator

1. Select Debts to Consolidate

2. Estimate Your Credit Score

3. Review Estimated New Loan

New Loan Amount ($)

Suggested Interest Rate (APR %)

New Loan Term (months)

Origination Fee (%)

Loan Payment Calculator

Estimate the monthly payment and total cost of a future loan or purchase. This won't be added to your debt plan.

Loan Amount ($)

Interest Rate (APR %)

Loan Term (months)

Down Payment (Optional)

Monthly Payment

Total Interest

Total Cost (Principal + Interest)

Car Lease Calculator

Reverse-engineer your lease to find the true interest cost (APR).

MSRP ($)

Negotiated Price ($)

Residual Value ($)

Lease Term (months)

Monthly Payment (before tax)

Down Payment / Cap Cost Reduction ($)

Equivalent APR

Money Factor

Total Lease Cost

Consolidation Simulation Results

Disclaimers

1. Not Financial Advice

This tool is for educational and informational purposes only. It does not constitute financial, legal, or professional advice. Consult with a qualified financial advisor before making financial decisions.

2. No Guarantees

Results are estimates based on the information you provide. Actual results may vary. We make no guarantees about debt payoff timelines or outcomes.

3. No Liability

By using this tool, you agree that The Path Out is not liable for any financial decisions you make based on this information.

4. Accuracy Disclaimer

While we strive for accuracy, we cannot guarantee this tool is error-free. Please verify all calculations independently.

5. Privacy

We collect minimal information. Your financial data stays in your browser and is not stored on our servers. See our Privacy Policy for details.