All Features
7 Proven Strategies

Your Path to Debt Freedom

Choose your strategy. See your debt-free date. Watch thousands disappear from your interest. This is debt payoff, optimized.

Calculate Your Date
Explore Strategies

Pick Your Battle Plan

There's no single "right" way to pay off debt. The best strategy is the one you'll actually stick with.

Avalanche

Save the Most Money

Attack highest-interest debt first. Mathematically optimal for minimizing total interest paid.

  • Lowest total interest
  • Fastest overall payoff
  • Best for high-APR debt

Snowball

Build Momentum Fast

Pay off smallest balances first. Quick wins keep you motivated when the journey feels long.

  • Quick psychological wins
  • Build confidence early
  • Stay motivated longer

Hybrid

Best of Both Worlds

Prioritize high interest, but use balance as a tiebreaker. Smart optimization meets motivation.

  • Balanced approach
  • Smart tiebreaking
  • Optimized momentum

Custom Priority

Your Rules, Your Order

Drag and drop to set your own payoff order. Maybe that store card haunts you—pay it first.

  • Full control
  • Personal priorities
  • Flexible adjustments

Plus 3 More Strategies

Highest Balance

Target your biggest debts first for major wins

Lowest Payment

Free up cash flow by eliminating minimum payments

Highest Utilization

Improve credit scores by reducing utilization ratios

See the Finish Line

No more guessing. No more vague timelines. Know exactly when you'll be free.

Debt-Free Date Calculator

Know exactly when you'll make your final payment. Not a guess—a precise date based on your actual numbers.

Interest Savings Comparison

See how much you'll save with each strategy vs. paying minimums. The difference might shock you.

Monthly Payment Schedule

A clear month-by-month breakdown showing exactly where every dollar should go.

What-If Scenarios

See how an extra $100/month or a bonus payment accelerates your timeline. Plan for windfalls.

Premium Feature

The Velocity Loop

As you pay off each debt, its minimum payment automatically rolls into your next target. Your payoff power compounds—like a snowball rolling downhill, getting bigger with every rotation.

  • When you pay off a debt, its minimum payment automatically rolls to the next target
  • Your payoff momentum accelerates exponentially over time
  • No manual recalculation—the system adapts as you progress
  • Watch your effective payment grow larger each month

Credit Card A

Paid off!

+$150/mo

Student Loan

Now receiving $400/mo

$250 + $150

Your payment power grows with every victory

Ready to See Your Debt-Free Date?

Enter your debts and watch the math work in your favor. Free to start.

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Free forever plan available. No credit card required.