Freedom Timeline — 5 years to homeownership
Add all sources — your income and your wife's. Include base pay, overtime, side income, and any government benefits.
Total monthly income$0
Total annual income$0
Include all credit cards, auto loans, medical debt, student loans, and personal loans.
Snowball method: Pay minimums on all debts, throw every extra dollar at the smallest balance first. Builds momentum through quick wins.
Avalanche method: Pay minimums on all, target highest interest rate first. Saves the most in total interest paid.
Total debt balance$0
Total minimum payments$0/mo
Add all fixed and recurring expenses — rent, utilities, subscriptions, insurance, phone, groceries.
Total monthly bills$0
Annual bills cost$0
Your path to homeownership
Add your income, debts, and bills to generate your personalized plan.
Projected debt payoff vs savings
Median home prices and first-time buyer requirements. Down payment targets use 20% conventional. FHA allows 3.5% with 580+ score.
Score ranges — mortgage impact