Know what to pay first
Choose avalanche to prioritise higher rates, or snowball to focus on smaller balances first.
A debt planner made for real life
Big debt.
Smol steps.
Get your debts in one place, see what to pay first, and build a monthly plan that feels manageable.
Free to try · No account needed · Made for Malaysia
Your debt snapshot
Sample plan
Total outstanding
RM 18,500
Monthly planRM 1,000
Estimated debt-freeMay 2028
Focus your extra payment onCredit card · 18% APR
RM · Clear steps, one month at a time
✓ See all your debts together✓ Compare repayment priorities✓ Estimate your debt-free date
Small steps add up
A clearer plan for your debt.
MIS turns the numbers you already know into a repayment plan you can understand and adjust.
Plan around your month
Include take-home income, essential costs, savings and instalments to see how the plan fits.
See the way forward
Review estimated monthly allocations, interest and a projected debt-free date as you adjust your inputs.
A few details. A clearer picture.
Make the next step feel smaller.
Start with what you know. You can change the numbers and compare plans whenever your situation changes.
Open the free plannerYour figures stay in your browser
The planner calculates from the information you enter. It does not send your debt details to a MIS account or server.
1
Add your debts
Enter the creditor, balance, interest rate and minimum instalment for each debt.
2
Set a monthly budget
Use your take-home income and costs to choose a repayment amount that works for you.
3
Explore your plan
Compare priorities, see estimated payments and adjust your plan to explore different outcomes.
Ready for your next smol step?
Bring your debt details together and see what a repayment plan could look like.
Try Make It Smol