Debt journey

Is your debt costing more than it should?

Five checks. One Reality Score — your money picture across rent, debt, and savings · free, 2-min check. See if your debt load is sustainable or eating you alive.

  1. 1Debt-to-Income
  2. 2Debt Payoff
  3. 3Credit Utilization
  4. 4Emergency Fund
  5. 5Verdict
Step 1 of 5 — Current

Debt-to-Income

Find out if your debt load passes the 36% lender rule.

Score my debt load →
Step 2 of 5 — Optional skip-ahead

Debt Payoff

See exactly how many months until you're debt-free at your current pace.

Save step 1 first to track journey progress.

Plan my payoff →
Step 3 of 5 — Optional skip-ahead

Credit Utilization

30%+ utilization tanks credit. Find out where you stand.

Save step 1 first to track journey progress.

Check my utilization →
Step 4 of 5 — Optional skip-ahead

Emergency Fund

Without a cushion, debt becomes inescapable. Confirm you have one.

Save step 1 first to track journey progress.

Test my cushion →
Step 5 of 5 — Locked

Verdict

Complete 4 more checks to unlock your Reality Score.

Locked

Complete the four checks above to unlock your Reality Score verdict.