Debt
Matt Schuberg, CFP®Best Debt Payoff Apps in 2026 (Free and Paid)
The best debt payoff app holds every debt and models extra payments. Compare Undebt.it, Debt Payoff Planner, YNAB and Planned on price, methods and limits.
·8 min read
Debt
Debt articles from the Planned team.
Matt Schuberg, CFP®Debt
Matt Schuberg, CFP®Should I Use Savings to Pay Off Credit Card Debt?
Should you use savings to pay off credit card debt? Usually yes: keep one month of essentials in cash and send the rest to the card. See the 22% APR math.
·7 min read
Debt
Matt Schuberg, CFP®Should I Pay Off My Car Loan Early? (A Simple Rate Rule)
Pay off your car loan early if the rate is above about 7% and your emergency fund is set. Under 5%, invest instead. The math on a $22,000 loan at 4 rates.
·7 min read
Debt
Matt Schuberg, CFP®Debt Consolidation Loan vs Balance Transfer: How to Pick
Debt consolidation loan vs balance transfer: the transfer card wins under 18 months, the loan wins past it. See the math on a $9,000 balance, run three ways.
·8 min read
Debt
Matt Schuberg, CFP®Pay Off Student Loans or Invest? (Real Numbers)
Should you pay off student loans or invest? Take the employer match first, then use the 7% rate rule. Real 2026 numbers on a $90k salary and $32k of loans.
·11 min read
Debt
Matt Schuberg, CFP®The Role of Budgeting in Debt Reduction: 2026 Guide
Budgeting to pay off debt works when the payment is scheduled before you spend, not after. Here is how to size it, automate it, and protect it each month.
·7 min read
DebtMatt Schuberg, CFP®Debt Snowball vs. Avalanche: Which Is Right for You?
Debt snowball vs. avalanche: compare both payoff strategies side by side and find out which one saves you more money and fits your psychology in 2026.
·9 min read