Shift to Wealth ยท Issue 9 calculator
Issue 9 laid out two ways to attack the list: the avalanche (highest rate first, least interest) and the snowball (smallest balance first, faster wins). Put your real numbers in and it runs both the way the issue did, then shows what the freed-up payment could build once the debt is gone. Nothing leaves your screen.
Written by a firefighter currently in DROP, sharing what I have found useful along the way. This is education, not financial advice. The calculator treats each minimum payment as a fixed floor; real revolving-card minimums shrink as the balance drops, which is exactly the trap Issue 9 describes, so treat the timelines as a planning guide rather than a promise. Payoff math, return assumptions, and projections are illustrative. Talk to a fiduciary advisor before making major moves on your debt or your retirement accounts.
Shift to Wealth — straight talk on the money side of the job.