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✨ Free — No Credit Card Required

Your Journey to
Debt Freedom
Starts Here

Track every debt, compare payoff strategies, and see exactly when you'll be debt-free. Simple, private, and surprisingly peaceful.

🔒 Your data is private and secure. We never sell your information.

💳

$24,350

Total Debt Tracked

📅

38 mo

Until Debt Free

💰

$4,120

Interest Saved

How It Works

Three Steps to Financial Freedom

01

📝

Add Your Debts

Enter your credit cards, loans, and any other debts. Include balance, APR, minimum payment, and due dates.

→

02

⚡

Pick Your Strategy

Choose Snowball (smallest first) or Avalanche (highest interest first). Add extra payments to see the impact.

→

03

🎯

Track Your Progress

Watch your debt shrink month by month. Get upcoming payment reminders and stay on track to freedom.

Features

Everything You Need to Crush Debt

🏔️

Snowball & Avalanche

Compare both strategies side by side and see exactly how much interest each one saves you.

📆

Upcoming Payments

Never miss a payment. See all your due dates in one place sorted by what's coming up next.

📊

Monthly Timeline

A full month-by-month breakdown showing exactly how every dollar is applied to your debts.

🔁

Autopay Tracking

Mark which debts are on autopay so you always know what needs manual attention each month.

🧮

Payoff Calculator

Quickly calculate how long any debt will take to pay off or what payment you need to hit a goal.

☁️

Syncs Everywhere

Sign in from any device — phone, tablet, or desktop — and your debts are always up to date.

Strategy Comparison

Snowball vs Avalanche — See the Difference

Same debts, same budget — two different strategies. Here's how they compare.

📋 Sample Debts Used in This Example

DebtBalanceAPRMin Payment

💳 Visa Card$3,20024.99%$80

💳 Mastercard$1,40018.99%$35

🚗 Car Loan$8,5006.99%$220

+ $200/month extra payment applied

❄️ Snowball

Smallest balance first

Payoff Time

32 months

Total Interest

$2,847

🗓 Payoff Order

1

Mastercard

Paid off Month 5 · Balance $1,400

2

Visa Card

Paid off Month 14 · Balance $3,200

3

Car Loan

Paid off Month 32 · Balance $8,500

🏆 Best for: Quick psychological wins & motivation

VS

🌊 Avalanche

Highest interest first

Payoff Time

30 months

Total Interest

$2,210

🗓 Payoff Order

1

Visa Card

Paid off Month 11 · APR 24.99%

2

Mastercard

Paid off Month 14 · APR 18.99%

3

Car Loan

Paid off Month 30 · APR 6.99%

🏆 Best for: Saving the most money on interest

Ready to Become Debt Free?

Join thousands of people taking control of their finances. It's free, always.

No credit card required · Your data stays private · Cancel anytime

My Debt Planner

Track your debts and get debt free faster 💪

Debt Name

Balance

APR (%)

Minimum Payment

Due Day (1-31)

Statement Day (1-31)

Autopay

Debt Summary

Total Debt

$0.00

Total Minimum Payment

$0.00

Weighted Avg APR

0.00%

Upcoming Payments

No upcoming payments to show yet.

Your Debts

Loading debts...

Payoff Engine

Strategy

Extra Monthly Payment

Months to Debt-Free

0

Total Interest Paid

$0.00

Strategy Used

-

Months Saved vs No Extra

0

Interest Saved vs No Extra

$0.00

Extra Payment Impact

-

Payoff Order

Run the payoff engine to see results.

Tools

Quick calculators for single-debt planning and everyday money decisions.

Debt Amount

APR (%)

Monthly Payment

Target Months

Estimated Payoff Time

-

Smart Tip Calculator

Rate the service, choose your tipping style, and get a smarter recommendation.

Bill Amount

Service Type

Tipping Preference

Service Score (1-100)

75 Good

Suggested Tip

-

Suggested %

-

Total With Tip

-

Service Rating

-

Low Option

-

Suggested Option

-

High Option

-

💡 Helpful Resources

Tools and services that can help you pay off debt faster and improve your finances. Some links below are affiliate links — we may earn a small commission at no cost to you.

💳 Balance Transfer Cards

Move high-interest debt to 0% APR and pay it down faster.

0% APR

NerdWallet — Best Balance Transfer Cards

Compare top balance transfer offers with 0% intro APR periods up to 21 months.

Compare Cards →

Compare

Bankrate — Balance Transfer Finder

Find the best balance transfer card for your credit score and debt amount.

Find My Card →

🏦 Debt Consolidation Loans

Consolidate multiple debts into one lower-interest loan.

Top Pick

LendingTree — Personal Loans

Compare multiple lenders at once. Check your rate without affecting your credit score.

Check My Rate →

No Fees

SoFi — Debt Consolidation

No origination fees, no prepayment penalties. Rates as low as 8.99% APR.

View Rates →

📊 Budgeting Apps

Track spending and find extra money to put toward your debt.

Fan Favorite

YNAB — You Need A Budget

The gold standard for budgeting. Users pay off an average of $6,000 in debt in their first year.

Try Free 34 Days →

Free

Rocket Money

Automatically finds and cancels unwanted subscriptions. Free to start.

Start Free →

📈 Free Credit Score Tools

Monitor your credit as you pay down debt — your score will improve!

Free

Credit Karma

Free credit score and report monitoring. Get personalized loan and card recommendations.

Check Score Free →

Free

Experian Free Credit Report

Get your official Experian credit report and FICO score for free.

Get Report →

⚠️ Affiliate Disclosure: Some links on this page are affiliate links. If you click and sign up, we may earn a small commission at no extra cost to you. We only recommend services we believe are genuinely helpful.