Tool 07 · The weekly habit
Payoff Dashboard
Everything the other tools find lands here. Log your balance once a week and watch the gap open between where the bank said you'd be and where you actually are.
Your loan
Set this once. It is what the “ahead of schedule” line is measured against.
Scheduled repayment: $3,897 a month.
Log your first balance
Fifteen minutes a week is the entire ongoing cost of this program. Log the balance below, then come back each week — the picture only gets useful once there are a few points on it.
This week's check-in
Projections assume your current rate and repayment continue unchanged for the life of the loan. Real rates move and life happens — treat the debt-free date as a direction of travel rather than a promise. General information only, not personal financial or credit advice.