A Fred Livai Financial App
A clear, organized plan for paying down debt.
Shuffle My Debt puts every balance, rate, and due date in one place, lines your payments up with your paydays, and shows you which account to focus on next — so you always know what to pay, when, and why.
How It Works
Simple steps, clear picture.
Enter Your Debts
Add balances, rates, and due dates in minutes. Everything is organized in one dashboard.
Add Your Income
Share your payday schedule so every payment lines up with your real cash flow.
Get Your Plan
See your payoff order, pay dates, and a projected debt-free date based on your numbers.
Follow Along
Use the 60-day dashboard to work through one account at a time and track each win.
What's Inside
What Shuffle My Debt helps you do.
Smart Payoff Order
Calculates which debt to focus on first to save the most time and interest.
HELOC Cash Flow Strategy
For homeowners using a HELOC, models how paycheck timing can lower average daily balances and interest.
60-Day Payment Dashboard
Always see what to pay, when to pay it, and how much.
One-Time Boosts
Tax refund or extra income? See where applying it makes the biggest difference.
Emergency Fund Tracker
A starter fund, then three- and six-month goals, so progress doesn't come at the cost of safety.
Your Plan, Your Call
Change the payoff order anytime and see what the change costs in time and interest.
Shuffle My Debt is an educational planning tool. Projections depend on the information you enter and on your lenders' terms; they are not guarantees. A HELOC strategy is not right for everyone — review the risks with a qualified professional before borrowing against your home.