Pay it down
4.2 yr · $6,910 interest
Slowest, cheapest, safest. You grind, but nothing’s on the line.
a planner that won't bullshit you
Debt is suffocating.
This is the room to breathe.
Your real numbers. Every way out — paydown, HELOC, selling, new income — and the exact date you're free. Without losing the house.
Show me the way out free · no pitch
someone else's numbers, as an example$24,180
$24,180 · today$0 · Mar 2029 · free
no favorites, no kickbacks
Every option. Honestly ranked.
Most tools push the one that pays them. This lays all four side by side with the real tradeoff each one hides — including the one nobody wants to say out loud.
Borrow against it
2.1 yr · lien on your home
A HELOC trades 24% card rates for ~9% — secured by the roof over you.
Sell & downsize
0.8 yr · clears it, costs home
Fastest math, biggest life change. We’ll show what’s left after.
the baseline most tools skip
Keep the house.
Before you sell or borrow against it, see what happens if you just… keep it and grind it out. It's the anchor every other option gets measured against — because for most people it's the answer.
+$52khow far keeping it beats selling over 10 years — in one example
how it works
Three honest steps.
- 01
Your real numbers
Balances, rates, income, the house. No averages, no made-up persona — yours.
- 02
See every road
Paydown, HELOC, sell, earn more — each played out over the next ten years.
- 03
Pick the least-bad one
With the tradeoffs in plain sight. It’s your call — we just stop hiding the cost.