Paying down debt faster starts with an honest number: how much can you actually redirect toward debt each month, beyond the minimums, without breaking your budget?
Why not put 100% of leftover money toward debt?
Keeping a small buffer (rather than committing every spare dollar) protects you from needing to rely on credit again the moment an unexpected expense shows up — which would undo the progress you're making.
Where this number goes next
Once you know your realistic monthly debt payment, plug it into the Extra Payment Calculator or Debt Payoff Calculator to see exactly how much time and interest that commitment saves you.