TK + Nat — Debt Repayment Calculator
TK + Nat — Debt Repayment Calculator
Live projections · Adjust any input and everything updates instantly
Overview
Income Planner
Business Targets
Roadmap
Current balance
$22,000
Monthly payment
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Total interest
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Payoff in
6 mo
Adjust your scenario
Current balance
$22,000
Interest rate (APR %)
24.99%
Months to payoff
6 mo
First month interest
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Total cost of debt
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Balance over time
Balance projection chart
TK monthly income
$3,200
Monthly need
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Income inputs
TK income (TKreative)
$3,200
Nat contribution
$2,400
TK monthly expenses
Business subscriptions
$430
Food / groceries
$350
Transport / gas / Uber
$180
Entertainment / dining
$150
Health / therapy
$230
Monthly breakdown
Card repayment
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Business subscriptions
$430
Food & groceries
$350
Transport
$180
Entertainment
$150
Health & therapy
$230
Total monthly need
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Your income
$3,200
Surplus / deficit
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Household: TK 57% / Nat 43%
TK $3,200
Nat $2,400
Retainer base
$2,000
Projects/mo needed
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Billable hrs/wk
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TKreative inputs
Average project rate
$3,500
Retainer rate (each)
$1,000
Active retainer clients
2 clients
Hourly rate (overflow)
$85/hr
Service tiers — what you need to close
Starter package
2–3 week turnaround
$1,200 – $2,500
Need 2/mo to cover gap
Growth package
4–6 week turnaround
$3,000 – $5,000
Need 1/mo to cover gap
Premium build
One project changes everything
$6,000 – $12,000
1 closes the gap + more
Retainers (2 clients)
Guaranteed monthly base
$2,000/mo
Covers 37% of gap
Revenue gap math
Retainer base
$2,000
Projects needed (gap ÷ avg rate)
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OR billable hours
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Target monthly income
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Revenue stack chart
Payoff readiness
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Zero balance date
Oct 2026
6-month roadmap
Projected balance by month
Payoff projection chart
If you miss a payment...
One missed payment adds
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Balance transfer fee (3%)
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Balance transfer saves (est.)
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