Owe less.Live more.
The payoff planner that shows you the exact day your debt hits zero — in 60 seconds, free, private.
See my debt-free dateAdd your debts.
Balance, interest rate, minimum payment — three numbers from your latest statement. No bank login, no forms that never end.
Pick your weapon.
Snowball, avalanche, or your own order — compared side by side in real dollars and months. Pick the one you’ll actually stick to.
Watch it hit zero.
Log payments and watch balances fall, progress bars fill, and your debt-free date race toward you. When a debt dies, its payment attacks the next one. Momentum you can feel.
Start my countdown
Your debt.
Your data.
Everything lives on your device. No bank connections, no ads, no debt-relief companies bidding for your attention. Free forever — Pro adds cloud backup when you want it.
- ✓No signup required
- ✓No bank login
- ✓No ads, ever
Start with
one debt.
No spreadsheet, no course, no coach. Add your first debt and we show you the finish line.
See my debt-free date