You have multiple credit cards and not enough money to pay them all off fast.

You know the drill. Five cards, five different rates, five different minimums. You pay what you can every month. The balances barely move.

It's not that you need to earn more or spend less. It's that you need to know exactly where each dollar goes -- which card, how much, this month -- to make your money work as hard as possible.

That's what Debt Hacker figures out.

The payment you already make creates an opportunity most people miss.

Now -- what about extra cash?

Bill routing is the foundation. But most months, you have a little extra beyond minimums. Maybe it's $50. Maybe it's $200. The question is: where does it go?

Most people spread it around or put it on whatever card feels right. Debt Hacker knows exactly which card should get it -- and why.

Same cards. Same budget. Different system.

Debt Hacker does this math for you. Every month.

You tell it about your cards. It computes the optimal allocation -- which card gets your extra cash, which cards carry your bills, when to time your payments. Card by card, dollar by dollar.

It's not live yet. I'm building it.

If this is a problem you have -- and what you just read makes sense -- I'd love to hear from you.