Debt payoff and Hawaii savings plan

Shoreline/ personal runway

Plan in motion · recalculates live

29
December 2028months to debt-free

Both debts are moving down while Hawaii moves closer. Keep the rhythm steady; the plan will redraw itself around any number you change.

Total debt now$16,100card + car
Interest saved$7,438less than the minimum path
Monthly plan$1,225entered debt + dream fund

Debt runway

$7,955 projected gone by next year

Island horizon

$9,500 left · May 2028

Debt 01 · highest tide

Credit card

22.9% APR
Paid offDecember 2027
Plan interest$818
12-month principal progress72%

Minimum baseline: $140 first month, then interest + 1% of balance (at least $35).

Debt 02 · steady road

Car loan

6.4% APR
Paid offDecember 2028
Plan interest$919
12-month principal progress40%

Minimum baseline: $267, the payment that clears today’s balance over 48 months.

Goal 01 · warm horizon

Hawaii trip

Aloha fund
Ready to bookMay 2028
Still to save$9,500
Goal funded21%

At $450 each month, the last transfer lands in 22 months.

The shoreline keeps moving

Balances fall; the trip fund rises. Every point comes from the amounts above.

total debtHawaii fund
30-month view
Projected debt payoff and Hawaii savings timeline.
Card clears first · Hawaii next · car lastProjection assumes the entered monthly amounts stay steady.

Next six landings

A close-up of the next six month-end balances.

6 months
Projected balances for the next six months
MonthCardCarHawaiiMoved
Debt down $3,844 in six monthsTrip fund +$2,700

How the comparison works: the card baseline pays monthly interest plus 1% of its balance (minimum $35); the car baseline amortizes the entered balance across 48 months. Interest saved compares your entered plan against those two baselines.

Client-side projection · no bank connection