01 — Understand
Financial Diagnostic
Organize recurring expenses, debts and financial priorities in a few minutes.
Run My DiagnosticDiagnostic checklist
- Expenses✓
- Debt✓
- Interest✓
- Goals✓
Free financial decision tools
See What Your Debt Is Really Costing You.
Your Numbers. Your Options. Your Decision.
Run your numbers, find expenses worth reviewing, compare payoff paths and see what different decisions could change.
- No credit check
- No lender application
- No account required
Free educational estimates based on the numbers you enter.
PDC Financial Improvement Dashboard
Money leaks
Scanning…
Debt organized
Complete ✓
Next move
Ready
Don’t guess. Run the numbers.
Four Steps. One Clearer Financial Picture.
Understand → Compare → Track → Decide.
02 — Compare
Payment Sweet Spot
See how another $100, $300, $500 or a custom payment could change payoff time and interest.
Find My Payment Sweet SpotMonthly payment →Payoff time ↓
Find the range — not just the biggest payment
03 — Track
Financial Improvement Dashboard
Take your plan with you and track balances, payments, savings opportunities and progress over time.
Get My Free DashboardTotal debt
$28,400
Monthly payments
$742
Weighted APR
19.4%
Monthly savings
$185
Payoff progress38%
Illustrative sample data
04 — Decide
Decision Center
Compare self-directed payoff, expense reduction, balance transfers, debt consolidation and nonprofit credit counseling.
Compare My Options- Self-directed payoffNo new debt
- Expense reductionFrees cash flow
- Balance transferPromo window
- Consolidation loanFees and term
- Nonprofit counselingStructured plan
Illustrative example — your results will depend on your balance, APR and payment
Find Your Payment Sweet Spot
See where paying more meaningfully changes payoff time and interest. Sample $20,000 balance at 19.99% APR with a $750 monthly payment.
Current path
- Monthly payment
- $750
- Payoff time
- 36 months
- Total interest
- $6,667
Selected path
- Monthly payment
- $1,050
- Payoff time
- 24 months
- Total interest
- $4,260
Interest potentially avoided
$2,407
Time potentially saved
12 months
Run It With My Numbers
Educational estimates, not financial advice.
PDC Original Tool2026 Edition
PDC Financial Reset Kit2026 Edition
The Financial Improvement Dashboard and its companion worksheets, packaged as one toolkit.
- Financial Improvement DashboardBalances, payments and progress across the year
- Debt OrganizerEvery account, APR and minimum payment in one place
- Money Leak ReviewRecurring expenses worth reviewing
- Payoff PlannerCompare payoff paths and extra-payment scenarios
- Monthly Progress TrackerLog each month and watch the trend
- Decision / Consolidation ComparisonSide-by-side totals before you decide
- Annual ReviewClose out the year and reset the plan
Free Excel workbook • No lender application • No bank connection
Along with your kit you’ll receive short educational emails: one useful idea, one practical tool, one better financial decision. Unsubscribe anytime.
Why trust PDC
Built From One Documented Reset
July → September 2026. Three scores from three different sources and models, shown separately and never combined or averaged.
606719
Credit Karma — TransUnion
620720
Credit Karma — Equifax
674753
Experian
Approx. 6.4%
Reported revolving utilization
Approx. $619.64/month
Cash-flow improvement identified
Personal founder case study • Individual results • Not typical or guaranteed. PDC does not claim that debt consolidation caused these credit-score changes.
Read the documented case studyCommon questions
No. The Financial Checkup does not perform a credit check of any kind, soft or hard. It does not contact any credit bureau or lender. It only performs arithmetic on figures you type into your own browser.
No. Financial Checkup entries stay in your browser's session storage for the current tab. They are not transmitted to PDC, are not stored on a server, and are not sent to any lender, broker or third party. Closing the tab or selecting Start Over clears them.
Neither. PDC is an independent financial-education website. It is not a lender, loan broker, credit-repair company, debt-settlement provider or financial adviser, and nothing on the site is financial, legal or tax advice.
PDC is free to use, charges visitors nothing, sells no financial data and runs no display advertising. PDC is not currently compensated by any provider. In the future PDC may earn a commission when a visitor uses a provider link, and any such relationship will be disclosed beside the link before you click it.
PDC is free to use. We do not charge visitors, sell financial-checkup inputs, or run display advertising. In the future PDC may earn a commission when a visitor uses a provider link. Any such relationship will be disclosed beside the link itself before you click it.
Your Numbers Will Be Different. That’s the Point.
Run your own numbers first, then decide what makes sense for you.
- Educational tools
- Transparent calculations
- No loan required to use PDC
- Partner relationships clearly disclosed