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Review this month using real balances

Prepared on September 9, 2026 · Xavier Carraté

Copy the balances and posted activity for the same period from each account’s statements. Enter your old plan’s projected closing balance only if it covers this same date and account. The comparison does not update your payoff plan automatically.

Use nonnegative debt balances. A credit balance or more complex adjustment needs a separate check of the statement. Payments are not all principal reduction. Enter only posted items; do not count a pending payment twice. A positive or negative difference is a prompt to check, not proof of an error or its cause.

All amounts are US dollars. Enter digits without thousands separators and use a point for up to two decimal places, for example 1250.50. Blank required amounts are unknown, not zero: enter 0 only when you have confirmed there was none. Use generic labels, never account numbers.

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Review this month using real balances

Account

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Nothing is saved by this tool until you choose Save in this browser or download a file. A browser copy is not encrypted and is readable by people using this browser profile. Avoid saving on shared devices. It stays until you delete it or clear browser data; saving replaces this tool’s previous copy. No automatic saving or cross-device sync. Browser form restoration may still occur.

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Save or resume (optional)

Only this tool’s GetDebtFree version 1 input file, up to 64 KiB. Review before applying. Applying replaces the current form and discards results without saving a copy.

Your next step

  1. Review each difference against the statement, including credits and adjustments that this simplified worksheet does not enter separately. Ask the provider to explain any item you cannot confirm.
  2. When the balances are checked, open the payoff calculator and manually enter the current balances, APRs and required minimums. Recheck your budget before choosing an extra payment. This worksheet does not transfer or overwrite another plan.

Debt payoff · Budget and payday calendar

How to use this without JavaScript

For each account, write the prior and actual debt balances, posted payments, new borrowing or purchases, and interest and fees for the same period. Calculate the arithmetic balance using the formula below. Subtract it from the actual balance. Separately subtract the old projected balance, if available. Check each difference without assuming its cause.

Arithmetic check: previous balance + new borrowing or purchases + entered interest and fees − posted payments. The result can be negative and is not a lender’s balance or a new payoff forecast.

Worked example

Example: previous balance $1,000, posted payments $200, new purchases $50, interest and fees $20. Arithmetic balance: $870. If the actual balance is $900, the unexplained difference is +$30. If the old plan projected $850, its separate difference is +$50. These comparisons do not tell you why.

Official sources and scope

Sources accessed September 9, 2026. The credit-card guide shows a September 2, 2026 review date; the toolkit page shows an April 24, 2026 modification date. These are source dates, not new application windows or changes to a debt contract.

Independent educational tool for the United States. This is not personalized financial, legal or tax advice, a credit decision, a payment instruction, or an official benefits application. No bank connection, account verification or automatic payment is provided.

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