PrivateDebtCalculatorNoDataStored

Equifax breached 147 million Americans' financial records in 2017. The settlement averaged $7 per affected person. Capital One leaked 100 million in 2019. T-Mobile leaked 76 million in 2021. The pattern is consistent: every company storing financial data eventually loses it, and the people whose data was lost get a coupon for credit monitoring from the same industry that lost the data in the first place. Refusing to store data is the only privacy posture that survives breach math.

Avalanche is the recommended method on $35,000 of mixed debt, and it runs entirely in your browser. The calculator does not have a database. There is no server-side state. Your debt numbers exist in your device's RAM while the page is open and disappear when you close the tab unless you choose to download your plan as a JSON file to your own storage. Nothing is sent to a server. There is no breach scenario for data that was never collected.

On $35,000 at a blended 15% (typical mix: $15k card at 22%, $12k personal loan at 13%, $8k auto loan at 8%), paying $780/month minimum finishes in 60 months and costs $11,400 in interest. Adding $300/month extra cuts that to 43 months and $7,400 interest. The math runs locally — open your browser developer tools and watch the Network tab; entering numbers makes zero requests.

Pre-loaded with a typical $35k mix. Your numbers stay on your device — no bank login, no server, no database. The math runs locally — see the methodology. Verify by opening DevTools Network tab while you type.

Want the full experience with animations, what-if sliders, and your shareable debt-free date card?