D
Paying now
$4,060
22.4% APR
Your debts · all of themEvery account.
Every account.
One stack.
One way out.
GuapStax lines up every tradeline you've got — cards, loans, the car, the small one you forgot about — and shows you which to feed first, and when the last payment lands.
Your tradelines · 6 accounts
Total$28,420
C
$3,820
19.9% APR
B
$1,840
0.00% · Jan '27
S
$8,140
12.4% APR
$12,400
6.20% APR
U
$1,420
0.00% APR
★
Mar 12, '29
14 mo sooner
StrategyAvalanche · highest APR first
Three honest tools
The math, drawn for you.
GuapStax runs the three things every payoff calculator should — and then shows you what each one costs in real months and real dollars.
01
StrategySnowball
Smallest balance first. Quick wins build the habit. Best when you've been here before and the math alone isn't enough to keep you on the wagon.
Typical payoff3.2 yrs
02
StrategyAvalanche
Highest APR first. Cheapest plan on paper, every time. We show the dollar-for-dollar gap versus Snowball so you can pick with eyes open.
Avg interest saved$4,180
03
VisibilityCash Flow
Bills, paychecks, subscriptions, statement closes — laid out on one honest calendar. Now you know what hits when, and what's actually free.
Avg free cash+$1,240
Things people ask
Honest answers, no spin.
How does GuapStax decide which account to pay next?
You do — by picking a strategy. Snowball sorts by balance, Avalanche by APR, Custom lets you reorder by hand. Each strategy lists your accounts in feed-first order, with the math worked out behind each one.
What does manual entry actually mean?
You type in (or paste, or CSV-import) the balance, the APR, and the minimum for each account. Once a month, you update balances. That's it. No bank logins, no aggregators, no third-party sitting between you and your money.
Will it handle a promo APR?
Yes. Each tradeline can carry a promo APR with an expiration date. The simulation respects the promo window and switches to the standard rate the day it ends. No surprises in month 13.
Can I plan with a partner?
Yes. Shared accounts, two incomes, joint and separate cards all roll into one stack and one debt-free date. The money conversation gets easier when you're pointing at the same screen.
What does it cost?
Free for the first six accounts — enough to cover most situations. After that, a small monthly fee. No upsells, no "premium insights" gating the answer you came for.
Build the stack.
Watch it come down.
About ten minutes to set up. After that, every dollar you add to the top moves the bottom card closer. Honest.