See how fast you can clear your credit cards, and how much interest you can save.
Your figures stay on your device and are never sent anywhere.
Cards, charge cards, overdrafts: anything that charges interest on the balance. These go into your plan.
Car loan, personal loan, home loan, PTPTN. These have fixed instalments, so they are shown for your overview only and are not part of the plan.
DSR is the share of your take-home pay that goes to debt payments each month. Guide: up to 20% is comfortable, up to 35% is OK, up to 40% is stretched, and above 40% is critical.
Decide how much more than the minimums you can pay each month. You will keep paying this same total every month until your cards are cleared.
Snowball and Avalanche both keep your payment the same every month. When one debt is cleared, its payment moves to the next.
| Way to pay | Monthly payment | Debt-free in | Debt-free by | Total interest | Interest saved |
|---|
Paying only the minimums: the payment gets smaller every month, so the debt takes much longer to clear.
Pay the minimum on everything, and put all the extra on the debt at the top of the list. The bars show when each debt is cleared.
Quick wins that keep you going.
Usually saves the most money.
Get a one-page summary of your plan to keep, print or share with your planner. It is created on your device; nothing is sent anywhere.
On the next screen, choose Save as PDF. On iPhone: tap Print, then the Share button, then Save to Files.
Pick a card from My Debts to see how the way you pay changes how long it takes and how much interest you pay.
This planner helps you see your debts clearly and understand how different ways of paying affect time and interest. It is not financial, legal or credit advice, and it does not recommend any bank, product or course of action for you.
The results are estimates based only on the figures you type in and simple assumptions: interest worked out monthly (banks charge it daily), a card minimum of 5% of the balance or RM50 unless you enter your own, and no new spending on the cards. Your real statements, rates, fees and charges will differ. Check the figures with your bank before you act on them.