The same amount.
Every single month.
See how a steady extra payment compounds into months and dollars saved.
Your debt.
Enter the debt you want to pay off faster.
Your fixed extra.
How much extra will you commit to, every single month?
Added on top of your minimum, every single month.
Minimum only
With fixed extra
Timeline comparison.
You'll be debt-free sooner.
The power of consistency.
Automate it
Set up automatic payments so you never miss a month.
Lock in the amount
Even if your minimum decreases, keep paying the same total.
Resist lifestyle creep
Got a raise? Increase your fixed extra, not your spending.
Have multiple debts?
Why fixed extra payments work
A fixed extra payment is a commitment to pay the same amount above your minimum every single month. Unlike variable extra payments, this approach builds a habit and provides predictable results.
The math is simple
- Every extra dollar goes directly to principal
- Less principal = less interest = faster payoff
- The effect compounds over time
Finding your fixed extra amount
Look at your budget and find an amount you can commit to every single month. It's better to pick a sustainable amount than an aggressive one you'll abandon.
- $25/month — One less restaurant meal
- $50/month — Cancel a subscription or two
- $100/month — Brown bag lunches for a week
- $200/month — Serious commitment, serious results