Debt Payoff Calculator

This calculator is built for anyone carrying credit card, loan, or line-of-credit debt who wants clarity without a spreadsheet — especially people with irregular income (freelancers, hourly workers, commission-based earners) who need their payoff plan to flex with real paychecks, not a fixed salary. It's designed for the Dream Ledger audience: women building intentional, values-aligned financial habits who want a calm, pretty tool that still does the real math — not a intimidating bank app or a bare-bones spreadsheet.

Opening it:

• Computer: Double-click the HTML file, or open it in any computer browser (Chrome, Safari, Edge, Firefox). No internet needed after the fonts load once.

How saving works:

• It autosaves as you type, right there in that browser on that device (using something called local storage — think of it as the browser's own private notepad for that one file).
• The catch: that autosave is local to each device/browser.

To move your data between devices, use the ⬇ Save my plan button — it downloads a small .json file with everything you've entered. Email it to yourself, AirDrop it, save it to a cloud drive, however you like. Then on the other device, open the tracker and hit ⬆ Restore, pick that file, and everything loads back in.

*Mobile Version COMING SOON*