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LIFE DESIGN TOOL
Seconds Sold to Debt
Every dollar of debt is seconds of your life owed to someone else. See the real price — principal, interest, and the liberation date at your current payment rate.
Your Debt
$
%
$
$
We treat this like a standard amortizing loan. All computation happens on your device — nothing leaves your browser.
SECONDS OF LIFE OWED
4.02M
That's 6.6 years of payments — $35,690 over 79 months.
SECONDS ON PRINCIPAL
2.08M
Working time to repay what you borrowed.
SECONDS ON INTEREST
1.93M
Pure toll: $17,190 of your life, paid for the privilege of borrowing.
🗝️
Liberation Date
November 2032
The exact month you stop working for this debt — at your current payment rate.
Double Your Payment?
If you paid $900/mo instead:
Months saved
53
≈ 4.4 years of life
Interest saved
$12,105
Never owed to the lender.