Privacy and disclaimers
This calculator is intentionally small. You type your own numbers, the math runs in your browser, and nothing is sent anywhere.
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
What this tool is
- A manual-entry calculator.
- A simple educational planning tool.
- A way to see a clear next-payment plan that supports debt reduction and credit readiness.
- Fully usable without creating an account.
What this tool is not
- Not a bank-connected budgeting app.
- Not a credit-reporting service.
- Not a lender, debt-settlement provider, or credit-repair company.
- Not a tool that guarantees a credit-score increase or loan approval.
- Not an AI-generated financial advice tool.
Disclaimer
This tool is for educational planning only. It is not financial, legal, tax, investment, insurance, lending, debt-settlement, or credit-repair advice. It does not access your credit report and cannot guarantee changes to your credit score, credit report, debt payoff timeline, interest cost, or loan approval.