Make my money go further
Make a debt payoff plan
Compare payoff approaches against what you can realistically afford.
Try this with your agent- What your agent needs
- Debt balances, APRs, minimum payments, due dates, and cash-flow context.
- What you get back
- Payoff options with assumptions, tradeoffs, and an affordable next step.
- When to use it
- A focused review when this question comes up.
Try it with your finances
Copy the prompt into your AI agent to get started. It uses your Candor records and asks for any missing context.
New to Candor? Connect your agent first.
Help me build a debt payoff plan using Candor. Confirm each balance, APR, minimum payment, and due date, asking me for missing information. Establish what I can afford after obligations and a cash buffer. Compare highest-interest-first with smallest-balance-first, including assumptions and tradeoffs. Show me a proposed plan to approve before saving any goal or budget changes. Do not initiate payments.
Nothing runs until you send the prompt to your agent.
Get the debt terms right before comparing payoff plans
Updated
A payoff comparison depends on more than the current balance. Your agent needs each APR, minimum payment, due date, and any promotional terms, along with what you can afford after obligations. Candor may hold some of those facts; a current statement is the right place to fill gaps rather than guessing a rate.
Check the answer
- Ask which terms are verified and which are missing. Keep promotional periods, variable rates, and fees visible in the assumptions.
- Compare approaches using the same affordable payment amount and cash-buffer assumptions, so a faster result is not simply based on spending more.
Choose a next step
Discuss which approach fits your priorities and review the proposed amounts before approving a budget or goal. The plan does not initiate a payment or change your lender's settings.