How it works Firepower = your income minus every non-debt living expense above. That whole number attacks debt each month (it already covers your minimums plus extra) — except while your emergency fund is filling, when your monthly contribution peels off to savings first. Interest accrues monthly at each account's real rate. Debts are paid highest rate first (the avalanche method), the cheapest possible order. Edit any number and everything recomputes and saves on your device automatically.