Balances, payoff date and progress at a glance.
| Debt | APR | This month | Over the plan |
|---|
Uses each card’s 0% end date. Debts that charge interest get extra money first, then 0% balances in the order their promos end. If a balance would still be left when its 0% ends, the plan moves it to a new 0% offer a month early (transfers take 1–2 weeks to post), but only if the fee costs less than the interest. The new card’s minimum is figured at 2% of its balance ($35 at least), which leaves less for savings.
| Save / month | Interest + fees | Debt-free | Fund reached |
|---|
Bars are the sheet's month-by-month plan, stacked by card. The line is your actual total from logged payments and charges.