Lump Sum Timing

A bonus or refund is coming. Apply it now or wait? See the interest you'd save at every timing choice.

Lump Sum Timing is now part of the Debt Planner

Use the planner to combine this with strategy comparison, lump sums, variable income, and the action timeline — all on one portfolio.

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CSV columns: name,balance,rate,minimumPayment

$

Lump Sum

$
24 months
6 months60 months

Interest Saved by Application Month

Add at least one debt to see the timing curve.

btay · 2026