Build My Debt-Free Date: A Committed Repayment Plan

Debt feels endless until something puts a date on it. Hand over your debts, what you can commit each month, any lump sums coming, and your constraints. Out comes a concrete repayment schedule that ends on a specific day you can count down to. Good for anyone tired of paying minimums into a fog.

I want a concrete, committed repayment plan that ends with a specific debt-free date. My debts: {DEBT_LIST}. Monthly amount I can commit to debt repayment: {COMMITTED_MONTHLY}. One-off lump sums I expect in the next 12 months: {LUMP_SUMS} (amount and approximate month). Constraints: {CONSTRAINTS} (for example, do not close certain accounts, one debt has a prepayment penalty). Generate a complete repayment plan using the optimal method for my numbers. Include: a debt-free date, total interest cost, a summary table of payoff order and dates for each debt, and three decision rules I should follow if my income drops, rises, or I receive an unexpected lump sum. Format the plan so I can save it and review it monthly.