The debts

Each one, what it costs to hold, and when it dies.

The debts, shrinking

Together −$105.40/mo interest −$5,646.20

down $1,193.62 since 07/16

Juniper Card $906.01 down −$4,182.63 to go

Maya Blue $287.61 down −$1,463.57 to go

Do this

Today — pay Maya Blue

money already there · 21.49%
        · leaves $2,139.27

$40.00

10/19 — pay Juniper Card

payday · 23.99%
        · leaves $2,006.98

$1,030.00

$1,070.00 a month · partly from savings · paydays here: 10/19

The plan — pay this each month

Juniper Card


        $1,070.00 paid

done

Maya Blue


        $500.00 paid

done

This month — all paid $1,570.00 of $1,070.00

Debt-free

$341.77 interest in all ·
        if nothing more goes on them

April 2027

At the current rate of charging
Juniper Card $973.54 · Maya Blue $508.93 a month never

The cards are charged faster than they are paid — the date above only arrives if the spending stops.

Juniper Card gone March 2027 · Maya Blue gone April 2027

Juniper Card
23.99% · min $112.00 · tap −$4,182.63

Interest a month
what the statement charged −$80.77

Still being charged, a month
2026-09 · 08 $836.38 · 07 $1,120.00 · 06 $933.35 −$973.54

Gone by, at this pace July 2029
$1,532.66 more interest on the way

To pay it off sooner tap to open

Gone in 6 months

by April 2027 ·
            $297.48 interest in all

$1,639.46/mo

…or $746.69/mo once
          everyday spending moves off this card

Gone in 12 months

by October 2027 ·
            $563.22 interest in all

$1,288.26/mo

…or $395.49/mo once
          everyday spending moves off this card

Gone in 24 months

by October 2028 ·
            $1,124.23 interest in all

$1,113.89/mo

…or $221.12/mo once
          everyday spending moves off this card

Maya Blue
21.49% · min $40.00 · tap −$1,463.57

Interest a month
what the statement charged −$24.63

Still being charged, a month
2026-09 · winding down · 08 $511.30 · 07 $553.76 · 06 $518.35 −$508.93

At this pace it never ends — the payments lose to the interest and the new charges.

To pay it off sooner tap to open

Gone in 6 months

by April 2027 ·
            $93.08 interest in all

$743.75/mo

…or $259.45/mo once
          everyday spending moves off this card

Gone in 12 months

by October 2027 ·
            $175.88 interest in all

$620.93/mo

…or $136.63/mo once
          everyday spending moves off this card

Gone in 24 months

by October 2028 ·
            $349.87 interest in all

$559.86/mo

…or $75.56/mo once
          everyday spending moves off this card

Send today

Household Maya

Safe to send from Joint Checking $1,331.47

In the account now$2,604.17

Due before 10/16 $0.00

Cushion you asked to keep−$1,200.00

Leaves the account at its lowest
10/18 $866.68

Sending that much dips under the $1,200.00 cushion first.

See the whole line — the day this amount would hurt

Settings tap to open

Pay from Pay down What one paycheck deposits into Joint Checking

Money in, per payday — not what you want to pay the card. You don't pick the payment; the plan works it out from this, the bills, and the cushion, and shows its arithmetic above. The account has actually been receiving about $1,448.17 per deposit. Use a figure a bad month still clears, not the best one.

Cushion to keep in the account Emergency cushion to build first

Small on purpose. Money parked here instead of against a card at 23.99% costs something to hold — but without it the next surprise goes straight back on the card. Currently $6,418.92 saved.