Debt Doesn't Have to Be Forever
Get the roadmap, tools, and support you need to become debt-free and stay that way.
Free tools. No credit card required. Your data stays on your device.
Everything You Need to Crush Your Debt
Free tools that show you exactly when you'll be debt-free — and how to get there faster.
See Which Strategy Saves You the Most
Snowball or Avalanche? Stop guessing. Our calculator runs both strategies on your actual debts and shows you the exact dollar difference — side by side.
Try the calculator24 mo
Debt-Free Date
Jan 2028
Interest Paid
$3,247
22 mo
Debt-Free Date
Nov 2027
Interest Paid
$2,814
2 mo
Interest Saved
$433
Avalanche wins for these debts
Balance Over Time
Watch Your Debt Disappear
See a real-time chart of your total balance dropping to zero. Hover any point to see exactly where you stand. Two lines, two strategies — instant clarity.
See your chartKnow Exactly Where Every Dollar Goes
Get a month-by-month payment schedule for every debt. See which loan to focus on, when each one gets paid off, and how your freed-up payments snowball into the next one.
Build your planYour Payoff Timeline
Your Debt-Free Date
November 2027
22 months from now
3 Minutes to Your Debt-Free Date
No account needed. No data stored. Just answers.
Add Your Debts
Enter each debt with the balance, APR, and minimum payment. Credit cards, student loans, auto loans — all of it.
Set Your Extra Payment
Tell us how much extra you can pay each month beyond minimums. Even $50 makes a difference — we'll show you how much.
Get Your Plan
Instantly see your debt-free date, a payoff chart, strategy comparison, and a month-by-month schedule you can email to yourself.
Built Different
Other debt apps charge you money while you're trying to get out of debt. That never made sense to us.
100% Free
No premium tier. No hidden fees. Every feature, every time.
Private by Design
Your data never leaves your browser. No accounts. No tracking.
No Sign-Up Required
Start using the calculator in seconds. No email walls or login screens.
Built by a Veteran
Made by someone who used these tools to get out of debt himself.
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It takes less than 5 minutes to create your personalized payoff plan. Your data stays private — calculations happen right in your browser.
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