A Debt Payoff goal turns selected liabilities into a payoff plan. It can solve for the monthly payment required to reach a target date or show the payoff timeline for a target monthly payment. With multiple debts, you can compare Avalanche and Snowball strategies.
Create the goal and assign liabilities
Open the client and go to Planning → Goals.
Select Add Goal.
Choose Debt Payoff, enter a useful name, and create the goal.
Open the goal and use the assigned-liabilities control on the left.
Select the loans or credit cards the plan should include.
The calculator reads each selected liability's balance, interest rate, payment, and minimum payment. Select a liability name to open its record if one of those source values needs correction.
If no liability appears, add it under Profile → Net Worth first. Debt Payoff goals use liabilities; they do not use investment or cash accounts as funding sources.
Choose how to solve the plan
In Acceleration Plan, choose one solve mode:
Target Date: enter a month and year. Kerdora calculates the monthly payment needed to reach that date.
Target Payment: enter the total monthly payment. Kerdora calculates the resulting payoff timeline.
For two or more debts, also choose:
Avalanche: directs extra money to the highest interest rate first.
Snowball: directs extra money to the smallest balance first.
The strategy control is not shown for a one-debt goal because there is no payoff-order decision to make.
Read the results
Start with Your Debt Today for the current balance, current monthly payments, current debt-free timing, and current interest. After you enter a target, review:
the monthly payment required for a target date;
the effect of the target compared with the current path;
Cash Flow Target, including current payments, extra needed, and target payments;
the balance chart; and
for multiple debts, the payoff order and payment waterfall.
If results do not appear, confirm every selected debt has a positive balance and current payment, then confirm that the target date or target payment is complete.
Keep the recommendation actionable
The goal calculation does not automatically change a client's payment instructions. Add the agreed recommendation under Planning → Changes and link any implementation work as Tasks. Revisit the goal when balances, rates, or payments change.
Common questions
Can the same liability be used in another goal?
Debt Payoff uses the selected liability for payoff modeling. Review goal assignments before reusing the same debt elsewhere so the planning story remains clear.
Why is the required payment higher than expected?
Check the target date, interest rates, balances, and current payments. A short target period or a debt with a high rate can materially increase the required payment.
Does changing the goal edit the liability?
Choosing a strategy or target changes the goal's payoff plan. Correct the source balance, rate, or payment by opening the liability record.