Debt & Planning

WorthSync includes a Debt Center and a consolidated Planning hub.

Debt Center

The Debt Center aggregates your liability accounts and simulates how fast you could pay them off.

• Strategies. Compare avalanche (highest interest first) and snowball (smallest balance first), with a real rollover simulation — once a debt is cleared, its payment rolls into the next.
• Extra budget. Tell WorthSync how much extra you can put toward debt each month and see how the payoff date and total interest change.
• 0% promo tranches. Model promotional-rate balances precisely: each tranche can have its own balance, promo APR, promo end date, and the rate it reverts to afterward. This matters for balance-transfer cards where part of the balance is at 0% and part isn’t.
• Recommended minimum payments. WorthSync infers or uses your stored minimum payments to keep simulations realistic.

To get the most accurate results, fill in each liability’s APR, minimum payment, and principal on the account.

Planning hub

The Planning screen brings three forward-looking tools together. They build on your real balance history rather than guesses.

Net-worth projection

Set a target amount, a monthly contribution, an assumed annual return, and a target date to project your net worth forward and see whether you’re on track.

FIRE calculator

Estimate your path to Financial Independence / Retire Early: annual expenses, a safe withdrawal rate, your current and target ages, and assumed returns.

Retirement income planner

A more detailed retirement model including Social Security claiming ages (62 / Full Retirement Age / 70), pensions, cost-of-living adjustments, longevity, and monthly spending — with optional spouse/partner modeling for couples.

Plan availability

Your data is always readable. Even if your plan changes, you can still view your saved planning data — editing the higher-tier planners is what’s gated. See Plans & Billing.