Debt Repayment Plan Audit: Interest, Order and Realism
Check a debt plan for arithmetic and sustainability.
Added October 15, 2026. Written with AI assistance and checked for clarity and placeholders; not reviewed by a lawyer, accountant, clinician or other professional. How these prompts are made
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[VERIFY] is an editorial flag, not a blank to fill. Wherever the prompt shows [VERIFY], check that item against a reliable source before you use it (what [VERIFY] means).
Audit my debt repayment plan. The debts with balance, rate, and minimum payment: [DEBT_LIST]. My plan and monthly payment: [MY_PLAN]. The time I expect to be debt-free: [TARGET_DATE]. Recompute the monthly interest on each debt (balance times annual rate divided by 12) and the time to clear with the plan, using a month-by-month table for at least the first six months and the arithmetic. Check that minimum payments are covered, that extra payments go to the debt I intend, that interest on the target debt is lower than my payment, and that the target date matches the calculation. Identify risks (a missed payment, a promotional rate ending, fees) and what would happen if my income fell for two months. Make a table with Debt, Balance, Rate, Monthly interest, Payment, and Months to clear. This is education and arithmetic using my numbers, not advice. Check lender terms and protections [VERIFY]. Add a worked first-month table: debt A 3,000 at 24 percent has monthly interest 60, debt B 8,000 at 8 percent has 53.33; a total payment of 400 with minimums 90 and 120 puts the extra 190 on debt A; show the balances after month one and the month debt A clears at that pace.
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