Kill Shots bring debt down. Growth Shots build financial goals up. See results as you type, or tap Calculate Now anytime.
01 Expose02 Freeze03 Attack04 Track05 Escalate
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DEBT · LIVE RESULTSWAITING FOR ENGINE
Frozen daily interest$0.00
Daily Kill Shot$0.00
Monthly Kill Shots$0.00
Monthly payment plan$0.00
Debt · original analysis
01 · Expose & Freeze
Enter your original figure
Debt · payment plan
02 · Make your Kill Shots
Ready for your numbers.
Debt · instant breakdown
What your plan does
Frozen daily interest$0.00
Frozen weekly (7 days)$0.00
Frozen monthly (30 days)$0.00
Frozen annualized (365 days)$0.00
Current daily interest estimate$0.00
Daily interest reduced from baseline$0.00
Daily Kill Shot$0.00
Monthly Kill Shots (selected days)$0.00
Usual monthly total incl. extra$0.00
Added on top of usual monthly total$0.00
New planned monthly total$0.00
One-time bonus (not monthly)$0.00
Enter your figures to build your Kill Shot plan.
The interest comparisons assume daily simple interest (principal × APR ÷ 365). Actual amortization and interest rules differ across debt products.
SAVINGS · LIVE RESULTSWAITING FOR ENGINE
Frozen daily Growth Shot$0.00
Still needed for goal$0.00
Catch-up per day$0.00
Estimated days to goal—
Growth · original analysis
01 · Expose & Freeze
Growth · progress
02 · Track & Accelerate
The original benchmark stays frozen. Current savings and days remaining follow your starting figures until you edit them.
Ready for your goal.
Growth · instant breakdown
Your Growth Shot plan
Frozen Daily Growth Shot$0.00
Weekly (7 days)$0.00
30-day equivalent$0.00
Still needed to reach goal$0.00
Required daily catch-up pace$0.00
Daily funding with extra boost$0.00
Estimated days to goal—
Goal progress0.0%
$0.00$0.00
Enter your goal and timeline to see your Growth Shots.
Calculations represent cash contributions only; no interest, fees, or investment gains/losses are assumed.
Funding Route · One Simple Rule
Fund your shot before the 50/30/10/10 breakdown
Start with income available after required bills, taxes, and essential needs. Fund your priority savings, then one affordable Kill/Growth Shot. Split what remains. Never double-count.
Priority savings$0.00
One shot$0.00
Amount left to break down$0.00
50% Essentials$0.00
30% Flexible$0.00
10% Reserves$0.00
10% Wealth$0.00
Total accounted for$0.00
Enter your available income to see your funding breakdown.
Ready for your income.
When your priority savings already fund the same Growth Shot goal, credit that contribution toward your goal rather than claiming another separate shot.
FLOS UNO Reverse Calculator v2.1 · Self-contained · No external libraries or account required · Runs offline in a JavaScript-enabled browser
The FLOS Frozen Baseline Method is a budgeting and discipline framework, not a guarantee of interest savings or investment returns. This debt illustration assumes daily simple interest, which may not match your contract. Check lender payment rules and protect essential expenses, taxes, and emergency cash.