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Plan the payments

Estimate your debt-free date

Enter debt balances, interest rates and minimum payments to compare snowball and avalanche plans. See how an extra payment changes your estimated payoff.

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In short

UniFi estimates a debt payoff plan after you enter each debt’s interest rate and minimum payment. Compare snowball and avalanche; UniFi does not make payments for you.

uunifi.comSample household
Sample UniFi Debt Freedom plan with estimated payoff dates

Sample household. Your figures depend on your connected accounts and entered details.

How it works

Debt freedom, step by step.

1

Add the missing terms

Review the balances and enter each debt’s APR and minimum payment. A balance alone is not enough to calculate a payoff date.

Balances and terms

Sample household

  • Sapphire Card

    22.9% APR · $55.00 minimum

    $1,840.55

  • Auto Loan

    6.4% APR · $295.00 minimum

    $12,480.00
2

Compare the order

Snowball targets the smallest balance; avalanche targets the highest interest rate. Keep the other minimums in the plan.

Smallest balance first

Sample estimate

  • 1. Sapphire Card

    Estimated payoff: Sep 2026

    $80.20

    interest

  • 2. Auto Loan

    Estimated payoff: Nov 2027

    $707.92

    interest

$500.00 extra each month, above the minimums.

3

Review the estimate

Change the extra payment to see the effect. Estimates assume the entered terms hold and you do not add new debt.

Your estimated finish line

Sample estimate

Nov 2027

At $850.00 a month, with $788.12 in projected interest.

Assumes the entered terms hold and no new debt is added.

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Budgeting

A plan you can edit

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Put it into practice.

Debt snowball or avalanche: choose by balance or interest rate

Compare debt snowball and avalanche using three example debts. See which balance each targets, what affects interest costs, and how to keep payments workable.

Build a tithe-first budget in four steps

Build a budget that plans giving first, covers essential bills, pays down debt, and keeps a cash buffer. Follow a worked example on $5,200 of take-home pay.

Questions people ask.

Why does my debt not have a payoff date?

Enter the APR and minimum payment for the debt first. The payment must also be enough to reduce the balance under the entered terms.

Does UniFi pay my debts for me?

No. UniFi models the plan. Make payments through your lender or bank and check how extra payments are applied.

Should I use snowball or avalanche?

Snowball targets the smallest balance first; avalanche targets the highest rate first. Compare the estimates using the same payment budget and choose a plan you can maintain.

Can my spouse use it too?

Yes. A spouse is included on every plan. Invite them from Settings so each of you can sign in to the same household.

What does UniFi cost?

Steward is $7.99 a month billed annually or $11.99 billed monthly. Steward+ is $13.99 a month billed annually or $19.99 billed monthly. Both include a spouse and a 7-day free trial.

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Manage what you've been given, well.

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