FAQ
DebtPlan.me FAQ
These answers explain what DebtPlan.me does, what it does not do, and how to think about debt payoff projections.
What to know
Quick trust notes
DebtPlan.me is an educational payoff planning tool. It does not require bank logins, does not pull credit, and does not replace professional financial, legal, or tax advice.
How results should be used
Use results as planning estimates. Confirm balances, APRs, payment amounts, due dates, and lender terms before making payment decisions.
FAQ
General
What is DebtPlan.me?
DebtPlan.me analyzes your debts, goals, cash flow, and financial situation to build a personalized debt payoff strategy.
Is DebtPlan.me a debt consolidation company?
No. We don't sell loans or consolidation products. We help you understand the smartest payoff strategy for the debts you already have.
Do I need to sign up?
No. You can generate a free preview without creating an account or purchasing a plan.
How is this different from a debt calculator?
Most calculators only show numbers. DebtPlan.me analyzes your debts and recommends a complete payoff strategy based on what matters most to you.
Choosing your strategy
What does "Balanced" mean?
It balances payoff speed, interest savings, and affordability.
What does "Pay off fastest" mean?
It focuses on becoming debt-free in the shortest amount of time possible.
What does "Pay least interest" mean?
It prioritizes reducing the total interest you pay over the life of your debt.
What does "Build momentum" mean?
It creates quick wins by clearing your smallest balances first.
What does "Stay comfortable" mean?
It protects your cash flow and emergency savings while you pay down debt.
What does "Free up monthly cash" mean?
It targets the debts that reduce your required monthly payments soonest, freeing up cash each month — though you may pay more total interest than the lowest-interest plan.
What if I don't know which goal to choose?
Choose "Help me decide." DebtPlan.me will analyze your situation and recommend the best-fit approach.
Trust & privacy
Does DebtPlan.me require a bank login?
No. You enter your debt details, income, expenses, and payment assumptions manually — no bank logins and no credit pull.
Is DebtPlan.me AI?
DebtPlan.me uses a calculation engine to generate strategies. AI may be used to explain recommendations and surface considerations, but it does not change the underlying math.
Are recommendations personalized?
Yes. Every strategy is generated from the information you provide.
Can I save my plan?
Yes. Purchased plans can be saved and revisited for 30 days, your plan's retention period.
Will DebtPlan.me affect my credit score?
No. Using DebtPlan.me does not pull your credit and does not affect your credit score.
Are results guaranteed?
No. Results are planning estimates that depend on your entered data and can change when APRs, balances, payments, income, expenses, or lender terms change.
Pricing & plans
What's included in the Standard Strategy Plan?
Your personalized payoff order, month-by-month roadmap, payoff timeline, strategy analysis, and a downloadable plan to keep and revisit.
What's included in the Advanced Multi-Strategy Plan?
Everything in Standard, plus all seven payoff strategies compared on your real numbers, lump-sum and extra-payment scenarios, sensitivity and risk (stress-test) analysis, and rate/refinance analysis.
Related reading
Make it personal
Build your payoff plan from your real numbers.
Enter your debts once, choose your goal, and see which debt to pay first.