Financial Strategy Dashboard
Debt GPS System
Help clients eliminate debt faster, compare payoff strategies, and see how capital-building approaches like Banking Strategy and HELOC can change the outcome.
A dedicated modeling workspace: set debt order, acceleration rules, and monthly cash-flow behavior, then watch projections respond in real time. When you are ready to continue, open a saved scenario to pick up where you left off.
👇 Start down where you see 👉 Enter your monthly income first. Then we'll walk you through the rest.
Your numbers
Your progress saves automatically on this device. You can come back anytime and continue where you left off.
First time here? Skip this and start entering your numbers below.
👉 START HEREEnter your income, expenses, and debts to calculate your payoff strategy.
👉 Step 1: Enter your monthly income and basic living expenses.
👉 Step 2: Add every debt you want Debt GPS to include.
Debts
Outside obligations first—your payoff approach only affects the order extra cash attacks balances after all active minimums are paid.
Include the balance, APR, and minimum payment for each debt.
Add another row for each card, loan, or account.
One-Time Lump Sum Payments
Add optional one-time payment events. These are saved with your local scenario.
No lump sum payments added.
👉 Step 3: Review your estimated extra cash flow.
This is the amount you choose to apply toward your strategy each month. It can be adjusted anytime based on your situation.
Used to fund your policy and support the Banking Strategy. Debt payoff occurs through policy loans and redirected payments — not direct extra payments.
Enter your debts to calculate your strategy budget.
Compare Your Payoff Options
Pick how you want consumer debts ordered. Full timelines and interest comparisons appear in Step 2 after you continue.
Snowball
Smallest balance first
Avalanche
Highest APR first
👉 Step 4: Choose your payoff path.
Choose Your Payoff Approach
Ordering for consumer debt: smallest balance first (Snowball), highest APR first (Avalanche), or Fastest Route (the model runs both and uses whichever reaches total debt-free sooner; ties default to Snowball).
Acceleration Options
Standard (baseline) uses income − living expenses for debt only. Banking Strategy adds contributions, cash value growth, and policy-loan access. HELOC models the line as your cash-flow hub: income pays it down, expenses and consumer payoffs use available credit, with interest on the balance.
Tip: Save your plan when you're done — you can come back and update it anytime.
👉 Step 6: Save your plan when you're done.
Projected results
👉 Step 2: Watch your payoff results update as you enter your numbers.
Your comparison will become more useful as you add income, expenses, debts, APRs, and minimum payments.
Snowball · Advanced strategy available after unlock
Strategy Comparison
👉 Step 5: Unlock your free payoff summary.
Enter your email so Debt GPS can save your progress and show your personalized payoff summary.
Your results will appear here as you complete Step 1.
Enter your income, expenses, and debts on the left. Debt GPS will then compare your payoff options and show your next best step.