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Maximum FICO Score
Credit Education & Ethical Repair · Bakersfield, CA · Since 2016
Debt Payoff & Cash Flow Calculator
See your debt efficiency score (0–100), a real-time spend breakdown, and a side-by-side comparison of snowball vs. avalanche payoff — with months saved and total interest avoided. Plus personalized, plain-English guidance on what to do next.
- Income, expenses, and every debt — all in one view
- Score breakdown: DTI, payment behavior, APR load, debt mix, derogatory items
- Snowball vs. avalanche payoff math, instantly
- Email or text yourself a clean copy of the results
01
💰 Monthly income
Take-home pay after taxes. Add multiple sources if you have them.
02
🧾 Monthly expenses
Everything except debt payments — those go in the next section. Skip anything you don't have.
Fixed
Variable
03
💳 Debt inventory
Add each open balance — credit cards, loans, collections, charge-offs. Best estimates are fine.
Total balance
$0
Total minimums
$0
Debt-to-income
—
04
➕ Extra monthly payment
Optional — money beyond minimums you could put toward debt each month. We'll show how much it could save you.
$
Save it for later
Get these results sent to you
We'll email or text a clean copy of your score, payoff plan, and recommendations — so you can come back to it when you're ready to act.
Before you submit: This is a free educational tool. Your “Debt Efficiency Score” is an educational indicator created by Maximum FICO Score — it is not a FICO® Score or any score used by lenders, and no specific result, savings, or score increase is guaranteed. Under the Credit Repair Organizations Act (CROA) and the FCRA, you have the right to dispute inaccurate items on your own credit reports for free and to a free copy of your report. By submitting, you agree to be contacted by Maximum FICO Score about your results; consent is not a condition of any purchase, message & data rates may apply, and you can reply STOP to opt out. See our Privacy Policy & Terms.
✓ Your live snapshot — submit the form above to get your copy:
0
Debt-to-income—
Money left over—
Snowball payoff—
Avalanche payoff—
You've got the picture. Now choose a path.
Two ways forward, both built around your timeline — not ours.
Done-with-you
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