See How Quickly You Can Be DEBT FREE!

STEP 1: Add Your Debts to the DebtRAC

• Debts will populate in the table below

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Creditor Name

Current Balance ($)

Minimum Payment ($)

Interest Rate (%)

Add to DebtRAC

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STEP 2: Add an additional dollar amount to Boost your payoff strategy.

• This will be applied to the first minimum payment at the top of the table.
• When that debt is paid off, the Boost will cascade to the next minimum payment.

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Boost Amount Boost

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Creditor Name	Current Balance	Minimum Payment	Interest Rate	Cash Flow Index	# of Payments to Interest Annually	Debt Reduction Accelerator Payments	# Acclerator Payments to Payoff	Payoff Date	Action

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STEP 3: Sort DebtRAC!

• Use the arrows on top to sort by Cash Flow Index or # of Annual Interest Payments to find the best payoff strategy.
• Make only minimum payments on everything below the top Boosted payment.
• Once the top debt is paid off, the boost cascades down to each next debt, in turn, until each is paid off.
• Keep removing the debts from the top of the table as they are paid off.
• The approximated final payoff dates for each debt are listed on the right--SEE when you could be DEBT FREE!

STEP 4: Keep Track of Your Progress!

• Save to CSV, Excel, PDF, or Print and keep track of your progress!