debt-payoff

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🇺🇸

Original

English

🇨🇳

Translation

Chinese

Debt Payoff Plan

债务偿还计划

Overview

概述

Helps you create a structured debt payoff plan using either the avalanche method (highest interest rate first) or snowball method (smallest balance first). Identifies your current debt payments, calculates extra payment capacity from your budget, and generates a month-by-month payoff schedule.

帮助你使用雪崩法（优先偿还最高利率债务）或雪球法（优先偿还余额最小债务）创建结构化的债务偿还计划。识别你当前的债务付款项，从预算中计算额外付款能力，并生成逐月偿还时间表。

Wilson Tools Used

使用的Wilson工具

```
transaction_search
```
— find recurring debt payments (loans, credit cards, lines of credit)
```
spending_summary
```
— calculate total income vs. expenses to find extra payment capacity

```
transaction_search
```
— 查找 recurring debt payments（贷款、信用卡、信用额度）
```
spending_summary
```
— 计算总收入与总支出的差额，以确定额外付款能力

Workflow

工作流程

Run

transaction_search

with

query: "payment OR loan OR credit card OR interest OR minimum"

and

months: 3

to identify recurring debt payments.

Group the results by creditor/lender to determine your current monthly payment for each debt.
Ask the user to provide for each debt: current balance, interest rate (APR), and minimum payment. Wilson cannot determine balances from transactions alone.
Run
```
spending_summary
```
for the last 3 months to calculate average monthly income and average monthly expenses.

Compute extra payment capacity:

(average monthly income) - (average monthly expenses) - (sum of minimum payments already in expenses)

. If this is negative, flag that the user is overspending.

Generate an Avalanche Plan — order debts by interest rate descending. Apply all extra payment capacity to the highest-rate debt while paying minimums on all others.
Generate a Snowball Plan — order debts by balance ascending. Apply all extra payment capacity to the smallest balance while paying minimums on all others.

For each plan, produce a month-by-month schedule in this format:

Month | Debt Name     | Payment | Principal | Interest | Remaining Balance
------+---------------+---------+-----------+----------+------------------
1     | Credit Card A | $350    | $320.83   | $29.17   | $1,679.17
1     | Student Loan  | $150    | $112.50   | $37.50   | $14,887.50

Calculate and display: total months to payoff, total interest paid, and total cost for each method.
Compare the two methods side by side and recommend the one that saves more in interest (avalanche) or provides faster psychological wins (snowball).

运行

transaction_search

，参数为

query: "payment OR loan OR credit card OR interest OR minimum"

和

months: 3

，识别 recurring debt payments。

按债权人/贷方分组结果，确定你当前每项债务的月付款额。
请求用户提供每项债务的：当前余额、利率（APR）和最低付款额。Wilson无法仅通过交易记录确定余额。
运行
```
spending_summary
```
获取过去3个月的数据，计算平均月收入和平均月支出。
计算额外付款能力：
```
(平均月收入) - (平均月支出) - (已包含在支出中的最低付款总额)
```
。如果结果为负数，标记用户存在超支情况。
生成Avalanche计划 — 按利率从高到低排序债务。将所有额外付款能力用于偿还最高利率债务，同时支付其他债务的最低付款额。
生成Snowball计划 — 按余额从小到大排序债务。将所有额外付款能力用于偿还余额最小的债务，同时支付其他债务的最低付款额。

为每个计划生成逐月时间表，格式如下：

Month | Debt Name     | Payment | Principal | Interest | Remaining Balance
------+---------------+---------+-----------+----------+------------------
1     | Credit Card A | $350    | $320.83   | $29.17   | $1,679.17
1     | Student Loan  | $150    | $112.50   | $37.50   | $14,887.50

计算并显示：两种方法各自的总偿还月数、总支付利息和总成本。
并列比较两种方法，推荐能节省更多利息的方法（雪崩法）或能更快获得心理成就感的方法（雪球法）。

Without Wilson

不使用Wilson的方法

List all your debts in a spreadsheet with columns: Creditor, Balance, APR, Minimum Payment.
Calculate your monthly extra payment: check your bank statement, sum income deposits, subtract all non-debt expenses. Whatever remains beyond minimum payments is your extra payment.
For the avalanche method: sort the spreadsheet by APR descending. For snowball: sort by Balance ascending.
In a new sheet, build a payoff schedule. For each month and each debt:
- Monthly interest =
```
Balance * (APR / 12)
```
- Payment = minimum payment (+ extra for the target debt)
- Principal paid = Payment - Interest
- New Balance = Old Balance - Principal Paid
Use these Google Sheets formulas for a single debt amortization:
- Interest:
```
=B2*(C2/12)
```
  where B2 is balance, C2 is APR as decimal
- Principal:
```
=D2-E2
```
  where D2 is payment, E2 is interest
- New Balance:
```
=B2-F2
```
When one debt reaches $0, redirect its full payment amount to the next debt in your priority order.
Free calculators: unbury.me, powerpay.org, or the NerdWallet debt payoff calculator.
Total interest comparison: sum the Interest column for each method to see which saves more.

在电子表格中列出所有债务，列包括：债权人、余额、APR、最低付款额。
计算每月额外付款额：查看银行对账单，汇总收入存款，减去所有非债务支出。扣除最低付款额后剩余的部分即为你的额外付款能力。
对于雪崩法：按APR从高到低排序电子表格。对于雪球法：按余额从小到大排序。
在新工作表中构建偿还时间表。针对每个月和每项债务：
- 月利息 =
```
余额 * (APR / 12)
```
- 付款额 = 最低付款额（+ 针对目标债务的额外付款）
- 已付本金 = 付款额 - 利息
- 新余额 = 旧余额 - 已付本金
使用以下Google Sheets公式计算单一债务的分期偿还：
- 利息：
```
=B2*(C2/12)
```
  ，其中B2为余额，C2为小数形式的APR
- 本金：
```
=D2-E2
```
  ，其中D2为付款额，E2为利息
- 新余额：
```
=B2-F2
```
当某项债务余额变为$0时，将其全部付款额转至优先级列表中的下一项债务。
免费计算器：unbury.me、powerpay.org或NerdWallet债务偿还计算器。
总利息对比：汇总每种方法的利息列，查看哪种方法节省更多。

Important Notes

重要提示

Avalanche saves the most money in interest. Snowball provides faster wins by eliminating small debts quickly. Both are valid — choose the one you will stick with.
This plan assumes fixed interest rates. Variable-rate debts may change your optimal strategy.
If extra payment capacity is less than $50/month, focus on increasing income or cutting expenses before accelerating debt payoff.
Do not reduce emergency fund contributions to zero to accelerate debt payoff. A $1,000 starter emergency fund is recommended while paying off debt.

雪崩法能节省最多利息。雪球法通过快速消除小额债务提供更快的成就感。两种方法均有效 — 选择你能坚持的那一种。
本计划假设利率固定。浮动利率债务可能会改变你的最优策略。
如果每月额外付款能力不足$50，在加速债务偿还前，应专注于增加收入或削减开支。
不要为了加速债务偿还而将应急基金缴款降至零。建议在偿还债务期间保留$1000的初始应急基金。