⏩ How quickly can you pay down tax and credit card debt?

Facing down massive debt—especially when the IRS is involved—is terrifying. But by prioritizing tax debt, settling old credit card charge-offs, and strategically using overtime, you can build a recovery roadmap. Enter your numbers to see how much time and money a triage plan saves.

The IRS and state tax agencies have sweeping collection powers. Prioritize these debts above all unsecured credit cards. Enter your current tax balances.

Keep your active personal loans and credit cards current by paying the minimums while you tackle the tax debt.

Old credit card charge-offs can often be settled for pennies on the dollar. Instead of paying the full balance, negotiate a lump sum settlement.

To execute this plan, you need cash flow. Enter your base income, essential expenses, and any extra income you can generate from overtime or a side hustle.

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