Break Free Forever · Free reader tool
The Minimum Payment Trap
Your minimum payment isn't fixed. Most lenders work it out as a percentage of what you owe, so every time your balance goes down, your minimum goes down too. You pay less, less comes off, and the debt stretches on for years. Then it bottoms out at a flat minimum amount and crawls to the finish line.
It's built to keep you paying, not to set you free. Put in one card, store account or loan and see it for yourself.
Pop in what you owe, the interest rate and your minimum percentage, and we'll show you.
Paying the minimum
Your Break Free payment
Watch your minimum shrink
Monthly payment over time
What you still owe
Balance over time
See it year by year
Now do this across all your debts
ZARA builds your Debt Inventory, scores which debt to hit first and turns this into your Debt BLITZ plan.
Build my BLITZ plan with ZARAAn estimate to show how the trap works. Your lender's exact rules, fees and interest calculation may differ, so check your statement for your own minimum payment rule. This isn't financial advice.
