Editorial only. Not regulated advice.
dufinance.xyz is an educational reference. The debt-payoff calculator is a methodology tool, not a substitute for engaged regulated counselling on your specific debt situation.
1. No financial, debt-relief, or legal advice
The two methods presented on this site — snowball and avalanche — are general debt-payoff frameworks, not personalised plans. Nothing on dufinance.xyz constitutes financial advice, debt-relief services, debt-settlement counselling, or legal advice within the meaning of the SEC Investment Advisers Act, the CFPB’s rules on debt-relief services, the FTC Telemarketing Sales Rule, or comparable foreign regimes. For free non-profit credit counselling in the United States, contact an NFCC-member agency at nfcc.org. For advice on bankruptcy, foreclosure, or wage-garnishment matters, consult a licensed consumer-bankruptcy attorney or legal aid clinic.
2. Limitations of the simulation
The calculator assumes a constant APR per debt over the entire payoff period. Real credit cards may apply promotional rates that revert, penalty APRs after late payments, and rate changes triggered by index movements. The simulation also assumes that the minimum payment stays constant; in practice many issuers calculate the minimum as a percentage of the current balance, so it falls as the balance falls. The simulation rounds in your favour by holding the minimum constant, accelerating payoff slightly relative to reality. The figures are planning estimates, not contractual schedules.
3. Late and missed payments are not modelled
The simulation assumes every payment is made on time. Late payments trigger late fees ($30–$41 typical for US issuers), penalty APRs (often 29.99 % applied for at least 6 months), and credit-score damage that can ripple through other accounts (universal default). The calculator output is a best-case schedule that holds only if discipline is maintained. Real-world execution rarely matches the simulation perfectly.
4. No guarantee of accuracy
Although the calculator has been reviewed by an AFCPE-credentialed Accredited Financial Counselor and tested against worked examples in the AFCPE curriculum, software contains bugs and editorial content contains errors. If you spot a discrepancy, write to the editorial desk via the contact page; calculation discrepancies are prioritised and resolved within five business days where reproducible.
5. Third-party content
Where we reference AFCPE, NFCC, the CFPB, the FTC, or other third parties, those references are for informational purposes; we are not affiliated with, endorsed by, or sponsored by them unless explicitly stated. Outbound links to third-party websites are provided as a convenience; dufinance.xyz is not responsible for the content or privacy practices of those sites.
6. Limitation of liability
To the fullest extent permitted by law, the editorial team and reviewer expressly disclaim liability for any direct, indirect, incidental, consequential, or punitive damages arising from use of, or inability to use, dufinance.xyz, including but not limited to financial losses, missed payments, credit-score impacts, or decisions made in reliance on calculator output.
7. Jurisdiction
This disclaimer is governed by the laws of the State of Texas, USA. Disputes shall be submitted to the exclusive jurisdiction of the courts of Lubbock County, Texas, save where mandatory consumer-protection law of your habitual residence requires otherwise.