Add Debt

Basic Information

Debt Nickname *

Use a nickname — never enter your real account number.

Loan Type *

Original Balance *

Current Balance *

Payment Details

Minimum Payment

Interest Rate (%)

Min Payment % of BalanceThe minimum payment is calculated as this percentage of the current balance each month. For example, 1% means if your balance is $1,000 the minimum is $10.(conservative default)

Min Payment Floor ($)The minimum the payment can ever drop to, regardless of the balance percentage. For example, a $25 floor means even if 1% of your balance is only $5, you still owe at least $25.

Due Date

Statement Day of Month

Intro APR Promo

This card has an intro APR / promotional rate

Excludes the card from your payoff plan during the promo window so avalanche/snowball ignores phantom interest. Counts in totals, utilization, and due dates throughout.

Monthly Commitment (optional)

Pay this much each monthLeave blank to pay the bank's required minimum and let avalanche/snowball decide cascade. Set a number to commit to at least that amount per month — useful for autopay or to clear a 0% promo before its deadline.

0 or blank = use bank minimum. > 0 = pay at least this much per month; avalanche cascade can still add more above this floor.

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