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Sample household

Three paychecks, planned one at a time

A sample household paid every two weeks. Tap a number to make it yours.

Extra to debt: about $380, then $1,660, then $170. Tap Next to see why.

Paycheck plan
Safe to pay extraEstimate
Visa · 24.99% APR: $380.00
after your paycheck lands on Fri Oct 23
Lowest day · Sun Nov 1
$100.00
Debt-free around
Sep 2027Estimate

Paycheck 1: rent comes out of this one. Rent · due Tue Oct 27.

Sample household starts with its $100 cushion in checking.

After this paycheck, Visa has about $8,491 left.

How this works

  • Each paycheck covers the bills and minimums due before the next payday and keeps the cushion. The rest goes to debt.
  • The extra goes to the highest rate first, then the next one once that's paid off.
  • The sample household starts with its cushion already in checking. Its bills fall a few days after its paydays.
  • Interest is added monthly. No new charges, fees, or rate changes.

Paycheck 4 depends on your real balances. Croft works it out again every payday, so you don't have to.

$11.99 a month, about $5.53 a paycheck if you're paid every two weeks. Or $89 a year, about $3.42 a paycheck. 21 days free, no card.

Every figure here is an estimate, not financial advice.