Clear tools for real money decisions.
Finova Plan exists for a simple reason: most people facing debt or a money decision don't need a lecture — they need a clear picture. How long will this take? How much will it really cost? What changes if I pay a little more each month? Good answers to those questions are surprisingly hard to find without wading through clutter, sign-up walls, or sales pitches.
So we build the opposite: fast, free calculators that give you a straight answer and a plan you can act on.
What makes us different
Your numbers stay yours
Every calculation runs privately in your own browser. The balances and rates you enter are never sent to us or stored anywhere. We think that's how a finance tool should work — especially one dealing with something as personal as debt.
Genuinely useful, genuinely free
Our tools are free to use. We keep the lights on through advertising, which lets us offer the calculators without charging you or locking features behind a paywall.
Clear, not clever
We'd rather show you a debt-free date and a month-by-month plan than bury you in jargon. If a feature doesn't help you make a decision, it doesn't belong on the page.
What you can do here
Right now, our debt payoff planner lets you compare the snowball and avalanche methods, see your exact debt-free date and total interest, and download a personalized payoff plan as a PDF. We're expanding into more personal-finance tools over time — the goal is a small, trustworthy toolkit for the money questions that come up in everyday life.
A note on what we are — and aren't
Finova Plan is an educational resource. We're not financial advisors, and our calculators provide estimates, not personalized advice. They're a great way to understand your options and prepare for a conversation with a qualified professional — but the final call, and any professional guidance, should come from someone who knows your full situation.
Who's behind Finova Plan
Finova Plan is an independent site created and operated by William Higgins, based in Boston, Massachusetts. Have a question, a suggestion, or found a bug? We'd love to hear from you on our contact page.