Pay it down
2.3 yr · $5,703 interest
Steady work from what’s left each month, and nothing’s on the line — for the sample household as of Oct 2026, including its raise next year.
a planner that won't bullshit you
See the whole picture.
Then make some room to breathe.
Your real numbers — income, debt, home, savings — played out every way: paying down, borrowing, selling, earning more. See where each road leads in the years ahead.
Explore my numbers free · no pitch
someone else's numbers, as an example$23,800
$23,800 · Oct 2026$0 · Jan 2029 · free
no favorites, no kickbacks
Your options. Honestly ranked.
Most tools push the one that pays them. This lays the big three side by side with the real tradeoff each one hides — here for the sample household you can explore.
Borrow against it
10 yr · covers $10,000 of $23,800
A HELOC trades ~26% card rates for 8.49%, but the sample’s home only has room for $10,000 of the $23,800, so the rest stays on the cards. And it’s secured by the home.
Sell & rent
1 mo · clears it, costs home
Fastest math, biggest life change. We’ll show what’s left after.
the baseline most tools skip
Start by staying put.
Before you sell or borrow against your home, see what happens if you keep the house and only change how you pay things down. It's the anchor every other option gets measured against — and often it's the answer.
+$381k+$381khow far keeping the house beats selling & renting over 10 years — in one example
how it works
Three honest steps.
- 01
Your real numbers
Income, balances, rates, home, savings. No averages, no made-up persona — yours.
- 02
See every road
Paydown, HELOC, sell, earn more — each played out over the years ahead.
- 03
Pick your path
With the tradeoffs in plain sight. It’s your call — we just stop hiding the cost.
already tracked it in YNAB?
Skip the guessing. Bring in your real numbers.
Connect read-only, see exactly what would come over, and decide what to keep. Nothing changes until you say so.
Connect, read-only
OAuth through YNAB — we never see your password, and read-only is the default. Disconnect any time.
Review before anything moves
Cards, savings, the mortgage, even your living costs — pick what to bring in. Nothing merges into your plan until you hit apply.
Refresh whenever
Budget moved since last time? Re-running the import is safe — it updates what changed and flags it, like living costs creeping up.
One optional extra: once connected, you can log a payment back to YNAB when you pay down a card. It's a convenience, not a requirement — YNAB stays the source of truth for your budget either way.