Lump Sum Timing

A bonus or refund is coming. Apply it now or wait? See the interest you'd save at every timing choice.

  • Methods explained
  • Saved debt portfolio
  • Compare strategies
  • Chart
Lump Sum Timing is now part of the Debt Planner

Use the planner to combine this with strategy comparison, lump sums, variable income, and the action timeline — all on one portfolio.

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Add one below or import a JSON / CSV file.

CSV columns: name,balance,rate,minimumPayment

$

Lump Sum

$
24 months

Interest Saved by Application Month

Add at least one debt to see the timing curve.

How it works›

Model and assumptions. Simulates monthly debt balances, interest and payments from the saved portfolio under the chosen strategy, extra-payment budget and dated lump sums. Freed payments follow the strategy’s allocation rules. Results include explicit incomplete-payoff status; future rate changes and new borrowing occur only if entered.CFPB: money and debt worksheetsOpenStax: annuity formulas