F*kit Debt-Free Calculator
F*kit Money ClubYour Debt-Free Date is Closer Than You Think 🚀
Join the F*kit Money Club and get the tools, strategies, and accountability you need to make your payoff plan a reality.
How to use the F*kit Debt-Free Calculator
Add your debts → choose Avalanche or Snowball → press Calculate Plan.
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1Add your debtsEnter balances, APRs & mins.
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2Choose a planAvalanche or Snowball.
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3See resultsPayoff date, months, interest.
Your Debts
Enter at least one debt with a positive balance. APR is annual rate; “Min” is your minimum required monthly payment.
Plan
This is the total you want to pay toward all debts combined each month.
Avalanche tends to save more interest by attacking highest APR first.
Snowball often feels faster by clearing small balances first (motivation boost).
Results
Strategy Comparison (same budget)
Avalanche usually costs less in interest because it targets the highest APR first. Snowball can feel faster because you knock out small balances early and build momentum.
F*kit! You got this…
Need help finishing your plan?
You’ve got your numbers — now let’s make it stick. Inside you’ll get:
- ✅ Weekly action plan so you always know what to do next
- ✅ Budget & payoff trackers that keep you motivated
- ✅ Avalanche vs. Snowball coaching to choose what fits you
- ✅ Support & accountability so you don’t fall off