Set a custom payoff priority

By default, ClarityTrack orders your debts using your chosen strategy — avalanche (highest APR first) or snowball (smallest balance first). If you want to override that order for a specific debt, you can set an explicit priority.

How to do it

Ask Clarity:

"Pay off my Visa card first." "Prioritize my personal loan above everything else." "Set my Discover card as priority 2."

Priority 1 means pay this debt first, regardless of the strategy. Priority 2 means second, and so on. Debts without an explicit priority fall back to your strategy's normal order.

Clearing a priority

"Clear the priority on my Visa card." "Remove the payoff order override on my personal loan."

Clearing a priority returns that debt to the strategy's automatic ordering.

Common questions

Does this change my monthly target or payment amounts?

No. It only changes the order in which ClarityTrack recommends you allocate your extra payments. Your total monthly target stays the same.

Can I prioritize multiple debts?

Yes. You can set priority 1, priority 2, priority 3 and so on. Debts with no priority assigned fall after all explicitly prioritized debts.

When would I use this instead of switching strategies?

Use a priority override when you have a specific reason to tackle one debt early — an upcoming balance transfer offer expiring, a car loan you want cleared before a job change, or a personal loan to a friend you want to pay back first. It lets you deviate from the strategy for one debt without changing the logic for the rest.