Credit Plan MVPPrivacy

Free · Manual entry · Private

Know what to pay next.

Create a private, personalized plan to lower debt and improve the credit factors you can control. No bank linking. No account required.

Build My Free Plan

Manual entry only. Your financial information stays in this browser session.

Start with your score

Enter your current score and the date you checked it.

Use your real numbers

Add income, essential bills, cards, and debt without connecting a bank.

Get a clear next step

See what to pay, when to pay it, and why it matters.

How it works

  1. 1Enter your score and goal
  2. 2Add your income, essentials, and debts
  3. 3Get a clear credit-improvement action plan

What this tool will never do

  • No bank connections
  • No credit-card numbers
  • No AI-generated payment decisions
  • No score guarantees
  • No sale of your information

Privacy First

  • No bank linking
  • No account numbers
  • No SSNs
  • No credit-report login credentials
  • No AI-generated payment decisions
  • Information is used only inside this browser session during Phase 1
  • Use “Start Over” to clear the calculator
Build My Free Plan

This educational calculator is not financial, legal, tax, investment, credit-repair, or lending advice. Credit-score changes and loan approval are not guaranteed.