Disclaimer

DebtStacking is a planning and education tool, not financial advice. We are not financial advisors, and nothing on this site is a recommendation for your specific situation.

The projections are estimates built from the numbers you enter and the simplified monthly model described on the methodology page. Real lenders compound interest daily, charge fees, apply payments on their own schedules, and change variable rates — your actual payoff will differ from any projection here. Your statements and your lender are the source of truth.

Before making significant financial decisions — consolidation, settlement, bankruptcy, retirement trade-offs — consider talking to a qualified professional, such as a nonprofit credit counselor.

By using DebtStacking, you accept that you use it at your own risk and that we are not liable for decisions made based on its output. What we owe you is honesty: the math is documented, both methods are computed fairly, and your numbers never leave your browser.