šŸŽÆ Free Debt Calculator

Debt Payoff Planner
Simple & Fast

Your path to financial freedom starts here. See exactly how to pay off your debt faster using proven strategies.

No login required
Free to start
Results in seconds
Get Started Free

Tell Us About Your Debts

Enter your debt information below. Add up to 2 debts for free, or upgrade for unlimited.

Pick a Payoff Strategy

Not sure? We'll compare both and recommend the best one for you!

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Snowball Method

Recommended for Beginners

Pay off smallest balances first. Quick wins keep you motivated! Great if you need momentum.

Best for motivation & quick wins
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Avalanche Method

Saves Most Money

Attack highest interest rates first. Mathematically optimal! You'll pay less overall.

Best for minimizing interest paid

Ready to See Your Path to Freedom?

Get your personalized debt payoff plan in seconds

šŸ”’ Your data is safe and private • No account required

⭐ UPGRADE AVAILABLE

Unlock Premium Features

Take control of your financial future with powerful tools

Free Plan

  • Up to 2 debts
  • Basic results overview
  • Strategy recommendation
  • Unlimited debts
  • Detailed monthly breakdown
  • Save & sync progress
  • Export to PDF
BEST VALUE

Premium ✨

  • Unlimited debts
  • Full monthly breakdown
  • Save & cloud sync
  • Export to PDF
  • Multiple scenarios
  • Dark mode
  • Priority support

Monthly Plan

$9/mo

Billed monthly • Cancel anytime

POPULAR

Lifetime Access

$29once

One-time payment • Never pay again

Secure checkout powered by Stripe • Your data is safe & private
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Save Your Progress

Sign in to save your data securely and access it from any device

Save your debt information securely
Access from any device
Track your payoff journey over time
Sync automatically across devices

No password needed! We'll email you a secure login link.

OR

Guest data is saved locally on this device only.
Sign in to backup to the cloud.

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Your Data is Safe

We take your privacy seriously

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Bank-Level Encryption

All data encrypted with AES-256 standard

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No Sensitive Info

Never ask for SSN or bank accounts

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Data Stays Yours

Never sold or shared with third parties

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US-Based Servers

GDPR compliant infrastructure

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Read-Only Access

We can't move your money

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Privacy First

Built with privacy as a core principle

Your financial data is protected with the same security standards used by banks.