Adjusted MoneyEnter what you owe, what you pay, and—when relevant—the new charges that still reach the card.
Turn everyday spending changes into a clearer debt payoff plan.
Adjusted Money is a free educational debt payoff and spending-reduction calculator. It helps you explore how your current payment, ongoing charges, and realistic spending changes could affect your debt-free date.
Start with my debt →Why it exists
Most debt calculators begin after the hard decision has already been made.
They can show what happens if you make a larger payment, but they often do not help you see where that extra money might come from. Adjusted Money connects those two parts of the decision.
You can list spending habits, choose how much to reduce each month, and see that amount automatically redirected toward debt. If you still use the credit card you are paying down, the calculator can also include the purchases that continue to increase its balance.
What guides the tool
Clear numbers, realistic choices.
Explore manageable monthly reductions instead of assuming every expense disappears.
Compare the current estimate with the adjusted estimate so the effect of each choice stays visible.
Our Methodology page describes how spending, payments, new charges, and interest are modeled.
What it is—and is not
A planning aid, not financial advice.
Adjusted Money provides educational estimates based on the numbers you enter. It does not connect to bank accounts, move money, negotiate with lenders, or guarantee a payoff result.
Your lender may calculate interest or apply payments differently. Use the results as a starting point, review the calculation Methodology, and consider qualified professional guidance for decisions specific to your situation.
No account is required. Saving is optional and off until you choose “Remember my numbers on this device.” When enabled, the saved calculator inputs stay in that browser’s local storage rather than an Adjusted Money account or database.
See what a small adjustment could change.
Open the calculator →Build a debt payoff estimate using your own numbers.