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Oikos · Tool

Financial freedom plan

Three steps and you walk out with a real plan. How long it takes to pay off your debts, in what order to attack them, when you will have your emergency fund, and when you can start investing. Everything runs in your browser, nothing leaves your device.

1 Order 2 Free 3 Build 4 Grow
1Situation
2Debts
3Capacity
✓Your plan

Your situation

Start with the basics. Monthly amounts in Chilean pesos.

What lands in your account each month
$
Rent, bills, food, transportation
$
The cushion you have available today
$

Your debts

Add each debt separately. The annual rate appears on your statement or contract (on Chilean credit cards it is usually labeled CAE or revolving interest rate).

Your capacity

How much can you put each month, in total, toward paying debts and saving?

$
$0
$0$1.000.000

At this amount, interest wins

Your plan
0 months
estimated date

Avalanche

Attack the highest-rate debt first
months
debt-free
total interest paid

Snowball

Attack the smallest debt first
months
debt-free
total interest paid

What if you add more per month?

Drag the slider and watch your date move. It recalculates instantly.
$0

Your freedom curve

Debt goes down, then savings go up. The diamonds mark your emergency fund.
Total debt Savings Debt-free

Your milestones, month by month

This tool provides general guidance based on simple assumptions (fixed rates, constant payments, no new charges on your cards). It does not replace formal financial advice.

Want to put this plan into practice?

Oikos is Francisco Quintero's financial order practice. Let's talk about your case.

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