Extra payments are the single biggest lever in any payoff plan — the calculator shows the exact months and dollars each extra $50 buys you. But where does the extra come from?
First, subscriptions: streaming, apps, memberships. Cancelling two unused services is often $30–40/month found in ten minutes. Second, insurance: re-quoting auto insurance once a year is the highest dollars-per-minute task in personal finance. Third, the grocery gap: meal planning one week at a time reliably trims 10–15% from food spending without feeling like a diet.
None of these require a budget overhaul. Find your $100, type it into the extra-payment box, and look at the interest-saved number. That number is your raise.
Updated July 2026