Avalanche or snowball?
Avalanche pays extra on the highest-interest debt first (usually credit cards at 36–45% a year), which saves the most money. Snowball clears the smallest balance first, which gives quick wins and keeps you motivated. Self Streak shows both and how many months and how much interest each saves.
What the AI plan gives you
What’s left after rent, food, bills and EMIs, and how much of it to put towards debt.
Which debt to clear first, why, and the month each one will be gone.
Specific cuts in your own budget categories, with amounts.
If EMIs take too much of your income, it says so and suggests talking to your lender, not more borrowing.
Questions
Is the AI plan financial advice?
No. It’s a planning tool based on the numbers you enter. For big decisions, talk to your lender or a registered adviser.
Can it handle credit cards with minimum due?
Yes. Cards and pay-later accounts are tracked with statement dates, minimum due and interest, and included in the plan.
What if my EMIs are more than my income?
The plan will tell you plainly and suggest options like restructuring, extending tenure or consolidating high-interest debt.
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