Tool
Cash Flow Cycling Calculator
A gentle, step-by-step way to see how cycling your paycheck through a debt can shrink it faster than minimum payments ever will. You've got this.
"Not every debt alleviation solution is for everyone, but everyone in debt should be working toward alleviating it."
One place for income. Enter what actually lands in your account each payday, if you get commission or side income, add its average into the same number.
After tax. Include average commission or side income here.
Effective monthly income (2.17× paycheck): $0
Rent/mortgage, your car loan, and the minimum payments on every debt except the card you're currently cycling. These can't ride on the working card, they get set aside and paid separately. 🏠🚗
Auto loan or lease.
Student loans, personal loans, medical, any debt minimum NOT listed in your cycling queue below. (Queued cards are held back automatically.)
Total keep-out costs: $0
Available cash to cycle: $0
The working card's own minimum isn't held back, the cash flow you send to it each month already satisfies that payment. Every other debt keeps its minimum aside.
Velocity-banking style: anything you can swipe goes on the working card, groceries, gas, utilities, insurance, phone, subscriptions. Don't put debt payments here; those belong in keep-out costs.
Monthly cash flow improvement (available cash − living expenses): $0
Each month: your available cash goes to the card first, then living expenses land back on it, then interest is added.
Add every card, line of credit, or HELOC you want to attack. We'll knock them out one at a time, then automatically move to the next when it hits $0.
Total starting debt: $0
Cards are attacked top-to-bottom. Reorder by removing and re-adding, or list them in your preferred payoff order (highest APR first often wins).