#SMARTGoal

S

Specific

M

Measurable

A

Achievable

R

Relevant

T

Timely

There are a lot of calculators out there that will tell you how long it will take to pay off a debt given a certain payment.

But the goal is not to make a certain payment. The goal is to be out of debt in some number of months.

The payment is then how you reach that goal. This calculator here will tell you how much more you need to put towards a debt to reach your time-based goal.

\\.\pipe\IISFCGI-81305f61-8919-4de6-b8d6-bc16e09790b5 [PHP_FCGI_MAX_REQUESTS] => 10000 [PHPRC] => C:\Program Files\PHP\v8.0 [ALLUSERSPROFILE] => C:\ProgramData [APPDATA] => C:\Windows\system32\config\systemprofile\AppData\Roaming [APP_POOL_CONFIG] => C:\inetpub\temp\apppools\pursepoor.com\pursepoor.com.config [APP_POOL_ID] => pursepoor.com [CommonProgramFiles] => C:\Program Files\Common Files [CommonProgramFiles(x86)] => C:\Program Files (x86)\Common Files [CommonProgramW6432] => C:\Program Files\Common Files [COMPUTERNAME] => VOSTRO3910 [ComSpec] => C:\Windows\system32\cmd.exe [DriverData] => C:\Windows\System32\Drivers\DriverData [LOCALAPPDATA] => C:\Windows\system32\config\systemprofile\AppData\Local [NUMBER_OF_PROCESSORS] => 20 [OS] => Windows_NT [Path] => C:\Program Files\PHP\v8.0;C:\Windows\system32;C:\Windows;C:\Windows\System32\Wbem;C:\Windows\System32\WindowsPowerShell\v1.0\;C:\Windows\System32\OpenSSH\;C:\Program Files\dotnet\;C:\Program Files\Git\cmd;C:\Program Files\Microsoft\Web Platform Installer\;C:\Users\bdkvo\AppData\Local\Microsoft\WindowsApps;C:\Program Files\Microsoft SQL Server\Client SDK\ODBC\170\Tools\Binn\;C:\ProgramData\ComposerSetup\bin;C:\Program Files (x86)\Microsoft SQL Server\160\Tools\Binn\;C:\Program Files\Microsoft SQL Server\160\Tools\Binn\;C:\Program Files\Microsoft SQL Server\160\DTS\Binn\;C:\Program Files (x86)\Microsoft SQL Server\150\DTS\Binn\;C:\Program Files\Azure Data Studio\bin;C:\Program Files\TortoiseGit\bin;C:\Windows\system32\config\systemprofile\AppData\Local\Microsoft\WindowsApps [PATHEXT] => .COM;.EXE;.BAT;.CMD;.VBS;.VBE;.JS;.JSE;.WSF;.WSH;.MSC [PROCESSOR_ARCHITECTURE] => AMD64 [PROCESSOR_IDENTIFIER] => Intel64 Family 6 Model 151 Stepping 2, GenuineIntel [PROCESSOR_LEVEL] => 6 [PROCESSOR_REVISION] => 9702 [ProgramData] => C:\ProgramData [ProgramFiles] => C:\Program Files [ProgramFiles(x86)] => C:\Program Files (x86) [ProgramW6432] => C:\Program Files [PSModulePath] => C:\Program Files\WindowsPowerShell\Modules;C:\Windows\system32\WindowsPowerShell\v1.0\Modules;C:\Program Files (x86)\Microsoft SQL Server\160\Tools\PowerShell\Modules\ [PUBLIC] => C:\Users\Public [SystemDrive] => C: [SystemRoot] => C:\Windows [TEMP] => C:\Windows\TEMP [TMP] => C:\Windows\TEMP [USERDOMAIN] => WORKGROUP [USERNAME] => VOSTRO3910$ [USERPROFILE] => C:\Windows\system32\config\systemprofile [windir] => C:\Windows [ZES_ENABLE_SYSMAN] => 1 [ORIG_PATH_INFO] => /index.php [URL] => /index.php [SERVER_SOFTWARE] => Microsoft-IIS/10.0 [SERVER_PROTOCOL] => HTTP/1.1 [SERVER_PORT_SECURE] => 0 [SERVER_PORT] => 80 [SERVER_NAME] => pursepoor.com [SCRIPT_NAME] => /index.php [SCRIPT_FILENAME] => C:\web\pursepoor.com\httpdocs\index.php [REQUEST_URI] => /SMARTGoal? [REQUEST_METHOD] => GET [REMOTE_USER] => [REMOTE_PORT] => 50739 [REMOTE_HOST] => 192.168.0.70 [REMOTE_ADDR] => 192.168.0.70 [QUERY_STRING] => [PATH_TRANSLATED] => C:\web\pursepoor.com\httpdocs\index.php [LOGON_USER] => [LOCAL_ADDR] => 192.168.0.125 [INSTANCE_META_PATH] => /LM/W3SVC/2 [INSTANCE_NAME] => PURSEPOOR.COM [INSTANCE_ID] => 2 [HTTPS_SERVER_SUBJECT] => [HTTPS_SERVER_ISSUER] => [HTTPS_SECRETKEYSIZE] => [HTTPS_KEYSIZE] => [HTTPS] => off [GATEWAY_INTERFACE] => CGI/1.1 [DOCUMENT_ROOT] => C:\web\pursepoor.com\httpdocs [CONTENT_TYPE] => [CONTENT_LENGTH] => 0 [CERT_SUBJECT] => [CERT_SERIALNUMBER] => [CERT_ISSUER] => [CERT_FLAGS] => [CERT_COOKIE] => [AUTH_USER] => [AUTH_PASSWORD] => [AUTH_TYPE] => [APPL_PHYSICAL_PATH] => C:\web\pursepoor.com\httpdocs\ [APPL_MD_PATH] => /LM/W3SVC/2/ROOT [IIS_UrlRewriteModule] => 7,1,1993,2351 [UNENCODED_URL] => /SMARTGoal? [IIS_WasUrlRewritten] => 1 [HTTP_X_ARR_LOG_ID] => 21ead950-bc5e-4188-865d-f44ab14ebb25 [HTTP_X_ARR_SSL] => 3072|256|C=US, O=Let's Encrypt, CN=R3|CN=pursepoor.com [HTTP_X_FORWARDED_FOR] => 3.239.129.52:35714 [HTTP_X_ORIGINAL_URL] => /SMARTGoal? [HTTP_USER_AGENT] => CCBot/2.0 (https://commoncrawl.org/faq/) [HTTP_MAX_FORWARDS] => 10 [HTTP_IF_MODIFIED_SINCE] => Fri, 24 Mar 2023 02:09:43 GMT [HTTP_HOST] => pursepoor.com [HTTP_ACCEPT_LANGUAGE] => en-US,en;q=0.5 [HTTP_ACCEPT_ENCODING] => br,gzip [HTTP_ACCEPT] => text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8 [HTTP_CONTENT_LENGTH] => 0 [HTTP_CONNECTION] => Keep-Alive [FCGI_ROLE] => RESPONDER [PHP_SELF] => /index.php [REQUEST_TIME_FLOAT] => 1685524131.9629 [REQUEST_TIME] => 1685524131 ) QuickDRY\Web\Web Object ( [Namespace] => pages\SMARTGoal\SMARTGoal [ControllerFile] => pages/SMARTGoal/SMARTGoal.php [ViewFile] => pages/SMARTGoal/SMARTGoal.html.php [PageClass] => SMARTGoal [IsJSON] => [Request] => QuickDRY\Web\Request Object ( [_vars:QuickDRY\Web\Request:private] => Array ( ) ) [Session] => QuickDRY\Web\Session Object ( ) [Cookie] => QuickDRY\Web\Cookie Object ( ) [Server] => QuickDRY\Web\Server Object ( [_VALS:QuickDRY\Web\Server:private] => ) [CurrentUser] => [Navigation] => QuickDRY\Utilities\Navigation Object ( [_PERMISSIONS:QuickDRY\Utilities\Navigation:private] => Array ( [0] => / [1] => /signin [2] => /register [3] => /lost_password [4] => /life_leadership [5] => /clock [6] => /research/gurus [7] => /research/sec [8] => /research/sec/report [9] => /research/sec/income_statement ) [_MENU:QuickDRY\Utilities\Navigation:private] => Array ( [PP] => Array ( [link] => / ) [Home] => Array ( [link] => /main ) [Liabilities] => Array ( [links] => Array ( [Bill History] => /liabilities/bills [Monthly Bills] => /liabilities/monthly_bills [Gas Tracking] => /liabilities/gas_tracking [Credit Cards] => /liabilities/credit_cards [Loans] => /liabilities/loans [Subscriptions] => /liabilities/subscriptions ) ) [Assets] => Array ( [links] => Array ( [Bank Accounts] => /assets/bank_accounts [Paychecks] => /assets/paychecks [Investments] => /assets/investments [Property] => /assets/property [Social Security] => /assets/social_security [Time] => /assets/time [24 Hour Clock] => /assets/clock ) ) [Wish Lists] => Array ( [link] => /WishLists ) [Receipts] => Array ( [link] => /business/receipt ) [Cost Centers] => Array ( [link] => /business/cost_centers ) [Banks] => Array ( [links] => Array ( [Uphold.com] => /banks/uphold [Amazon.com] => /banks/amazon [Acorns.com] => /banks/acorns [Plaid] => /assets/plaid ) ) [Summaries] => Array ( [links] => Array ( [Snowball] => /summary/snowball [Net Worth] => /summary/net_worth [Opportunity Cost] => /summary/opportunity_cost [Yearly Bills] => /summary/yearly_bills [Baby Steps] => /summary/baby_steps [Transactions] => /summary/transactions [Investments] => /summary/investments [Investment Overview] => /summary/InvestmentOverview [Ledger] => /summary/ledger ) ) [Research] => Array ( [links] => Array ( [SEC] => /research/sec [Stock Analysis] => /reports/StockAnalysis ) ) [Contacts] => Array ( [link] => /contacts ) [My Account] => Array ( [link] => /my_account ) [Movies] => Array ( [link] => /movies ) ) [Legend] => ) [AccessDenied] => 1 [MasterPage] => life [SettingsFile] => settings.pursepoor.com.php [PageMode] => 1 [CurrentPage] => /SMARTGoal [CurrentPageName] => SMARTGoal [DefaultURL] => [SecureMasterPages:QuickDRY\Web\Web:private] => Array ( [0] => default ) [RenderPDF] => [PDFPageOrientation] => [PDFPageSize] => [PDFFileName] => [PDFPostRedirect] => [PDFHeader] => [PDFFooter] => [PDFSimplePageNumbers] => [PDFMargins] => [PDFPostFunction] => [PDFHash] => [PDFRootDir] => [PDFShrinkToFit] => [RenderDOCX] => [DOCXPageOrientation] => [DOCXFileName] => [StaticModel] => [InstanceModel] => [Verb] => GET [StartTime] => 1685524131 [DefaultPage] => signin [DefaultUserPage] => main [_HaltOnError:QuickDRY\Utilities\SafeClass:private] => 1 [_MissingProperties:QuickDRY\Utilities\SafeClass:private] => Array ( ) [_Aliases:QuickDRY\Utilities\SafeClass:private] => Array ( ) ) Array ( ) #0 QuickDRY\Utilities\Debug::_debug_string_backtrace() called at [C:\web\pursepoor.com\httpdocs\QuickDRY\Utilities\Debug.php:113] #1 QuickDRY\Utilities\Debug::_Debug(Error: Class "pages\SMARTGoal" not found in C:\web\pursepoor.com\httpdocs\pages\SMARTGoal\SMARTGoal.html.php:64 Stack trace: #0 C:\web\pursepoor.com\httpdocs\QuickDRY\Web\WebView.php(162): require_once() #1 C:\web\pursepoor.com\httpdocs\index.php(37): require_once('...') #2 {main}, , 1, 1) called at [C:\web\pursepoor.com\httpdocs\QuickDRY\Utilities\Debug.php:55] #2 QuickDRY\Utilities\Debug::Halt(Error: Class "pages\SMARTGoal" not found in C:\web\pursepoor.com\httpdocs\pages\SMARTGoal\SMARTGoal.html.php:64 Stack trace: #0 C:\web\pursepoor.com\httpdocs\QuickDRY\Web\WebView.php(162): require_once() #1 C:\web\pursepoor.com\httpdocs\index.php(37): require_once('...') #2 {main}, ) called at [C:\web\pursepoor.com\httpdocs\QuickDRY\Utilities\helpers.php:170] #3 Halt(Error: Class "pages\SMARTGoal" not found in C:\web\pursepoor.com\httpdocs\pages\SMARTGoal\SMARTGoal.html.php:64 Stack trace: #0 C:\web\pursepoor.com\httpdocs\QuickDRY\Web\WebView.php(162): require_once() #1 C:\web\pursepoor.com\httpdocs\index.php(37): require_once('...') #2 {main}) called at [C:\web\pursepoor.com\httpdocs\QuickDRY\Utilities\ExceptionHandler.php:18] #4 QuickDRY\Utilities\ExceptionHandler::Exception(Error: Class "pages\SMARTGoal" not found in C:\web\pursepoor.com\httpdocs\pages\SMARTGoal\SMARTGoal.html.php:64 Stack trace: #0 C:\web\pursepoor.com\httpdocs\QuickDRY\Web\WebView.php(162): require_once() #1 C:\web\pursepoor.com\httpdocs\index.php(37): require_once('...') #2 {main})