The Smartest Path to Debt Freedom
Mathematically Proven
Enter your debts. Kovarino simulates every payoff strategy — avalanche, snowball, balance transfers, HELOC consolidation, and hybrid approaches — then shows you the optimal sequence that minimizes total interest and gets you debt-free fastest.
Six Optimization Engines, One Recommendation
Each engine analyzes a different dimension of your debt portfolio. The multi-strategy optimizer synthesizes them into a single actionable plan.
Avalanche vs Snowball Analysis
Side-by-side comparison of the two dominant payoff strategies. See exactly how much interest you save with each approach on your specific debt portfolio.
Balance Transfer Arbitrage
Identify 0% APR balance transfer offers that reduce your total interest cost, factoring in transfer fees, intro periods, and post-promo rates.
HELOC Consolidation Analysis
Model whether a home equity line of credit could lower your blended rate. Accounts for variable rate risk, draw periods, and closing costs.
401(k) Loan Modeling
Quantify the true cost of borrowing against your retirement savings, including lost investment growth, loan origination fees, and tax implications on separation.
Consolidation NPV Calculator
Net present value analysis of every consolidation option: personal loans, debt management plans, and balance transfers against your current payoff trajectory.
Multi-Strategy Optimizer
Our hybrid algorithm combines mathematical optimization with behavioral factors. Because the best strategy is the one you can actually stick with.
How It Works
Enter Your Debt Portfolio
Add each debt: credit cards, auto loans, student loans, personal loans, medical bills. Include balances, APRs, and minimum payments.
Set Your Budget and Profile
Tell us your monthly debt budget, income, credit score, and available home equity. More data means more optimization options.
Compare Optimized Strategies
See avalanche, snowball, and hybrid strategies head-to-head. View your debt-free date, total interest saved, and month-by-month payment allocation.
Execute Your Plan
Follow the monthly allocation table. Each payment is assigned to the right debt at the right time for maximum impact.
Built on Real Data, Not Assumptions
Kovarino pulls from authoritative federal and financial data sources — no synthetic data, no guesswork.
FRED
Federal Reserve Economic Data for real-time interest rate benchmarks
StudentAid.gov
Federal student loan rates, IDR plan parameters, and PSLF eligibility data
BLS
Bureau of Labor Statistics CPI data for inflation-adjusted payoff projections
CFPB
Consumer Financial Protection Bureau lending market data
Every Month You Wait Costs You Interest
The average household with $20,000 in credit card debt pays over $4,000/year in interest alone. Kovarino finds the sequence that eliminates the most expensive dollars first.
Calculate Your Optimal Payoff Plan