Optimize Your Student Loan Payoff
Input your loans, income trajectory, and tax situation. Get a personalized repayment strategy that saves you thousands — not just a generic calculator.
Start Optimizing — $9/moCancel anytime. No credit card required to explore.
Pro Plan
per month
- ✓ Unlimited loan scenarios
- ✓ Income growth modeling
- ✓ Tax benefit calculator
- ✓ PSLF & IDR eligibility check
- ✓ Refinancing comparison
- ✓ Monthly payoff dashboard
Frequently Asked Questions
How is this different from a basic loan calculator?
Most calculators only show a fixed payoff timeline. We model your income growth over time, factor in tax deductions on interest, and compare multiple strategies — avalanche, snowball, income-driven, and refinancing — so you can see the true cost of each path.
Does it work for federal and private loans?
Yes. You can add any mix of federal (Direct, PLUS, Perkins) and private loans. Federal loans also get checked for PSLF eligibility and income-driven repayment options automatically.
Is my financial data secure?
All data is encrypted in transit and at rest. We never sell your information or share it with third parties. You can delete your account and all associated data at any time.