Disclaimer

Libreta Money, including the website, the free calculator, the PDF plan, the emails and the spreadsheet, is for educational and informational purposes only. It is not financial, investment, legal, tax or credit advice. Kronops LLC is not a financial advisor, credit counselor, lawyer or accountant.

For advice about your situation, talk to a qualified professional. Nonprofit credit counseling agencies can also help, often for free.

The dates and amounts you see are estimates based on the numbers you enter. They assume:

• No new charges on your cards or loans.
• Interest rates, minimum payments and fees that don't change.
• Interest figured once a month. Most lenders figure it daily, so real numbers will be a little different.
• That you make every payment on time.

We don't promise any result. How long it takes and how much you save depend on your own numbers, your lenders and your choices.

Libreta Money does not repair, fix or improve credit, and it does not dispute anything on your credit report. It makes no promises about your credit score.

Some loans, like many car loans, don't lower your interest when you pay extra, or apply extra payments to future payments instead of the principal. Ask your lender how extra payments are applied before you count on them.

The "example family" and sample numbers on this site are made up to show how the tools work. They are not real customers and not typical results.