Australian Debt Strategy · 2026
A practical debt elimination system built for Australians — covering mortgage, credit cards, HECS, car loans and personal debt, in the order that saves you the most.
Get the Guide →Highest rate, smallest balance — the silent killer of household budgets.
Often taken on impulse. Refinancing options most people never explore.
Balloon payments and residual traps most dealers don't explain upfront.
Indexed annually — when to prioritise vs when to ignore it entirely.
Your largest debt. Small extra repayments have outsized long-term impact.
Attack the highest interest rate first. Mathematically optimal — you pay less total interest over the life of your debts. The guide shows exactly how to calculate your payoff sequence.
Pay off smallest balances first for psychological wins. Research shows this works better for people who struggle to stay motivated. Included: a comparison table so you can choose the right method for your personality.
Enter your balances, rates and minimums — see your exact payoff date for both methods.
See exactly how much an offset account saves you at your current rate and balance.
For negotiating lower rates or temporary payment reductions — tested with Australian lenders.
When it makes sense, how to do it safely, and the traps to avoid with Australian card issuers.
One-page print-out to track progress, keep motivation high and see the balance drop month by month.
Calculate whether voluntary HECS repayments beat investing the same dollars at current market returns.
🔒 30-day money-back guarantee. If you don't have a clear debt payoff plan within an hour of reading, ask for a refund.