Add your debts, pick a payoff strategy, and get an exact timeline to financial freedom — no spreadsheets, no guesswork.
Try switching strategies ↓
Manage your debts and track your progress
Active Debt
$23,300
Monthly Payment
$510
Total Debts
3 active
· 1 paid
Your Active Payoff Strategy
Active Payoff Plan
Snowball strategy · $510/mo budget · Debt-free by October 1, 2028
Select strategy:
Credit Card
Credit Card ActiveNext TargetCurrent Balance
$4,200.00
Interest Rate
19.9%
Min Payment
$120.00
Paid So Far
$1,300.00
Remaining
$4,200.00
Car Loan
Auto Loan ActiveCurrent Balance
$7,300.00
Interest Rate
4.2%
Min Payment
$180.00
Paid So Far
$1,700.00
Remaining
$7,300.00
Student Loan
Student Loan ActiveCurrent Balance
$11,800.00
Interest Rate
6.5%
Min Payment
$210.00
Paid So Far
$3,200.00
Remaining
$11,800.00
See it in action — try switching strategies
Manage your debts and track your progress
Active Debt
$23,300
Monthly Payment
$510
Total Debts
3 active
· 1 paid
Your Active Payoff Strategy
Active Payoff Plan
Snowball strategy · $510/mo budget · Debt-free by October 1, 2028
Select strategy:
Credit Card
Credit Card ActiveNext TargetCurrent Balance
$4,200.00
Interest Rate
19.9%
Min Payment
$120.00
Paid So Far
$1,300.00
Remaining
$4,200.00
Car Loan
Auto Loan ActiveCurrent Balance
$7,300.00
Interest Rate
4.2%
Min Payment
$180.00
Paid So Far
$1,700.00
Remaining
$7,300.00
Student Loan
Student Loan ActiveCurrent Balance
$11,800.00
Interest Rate
6.5%
Min Payment
$210.00
Paid So Far
$3,200.00
Remaining
$11,800.00
How it works
No complicated setup. Just your debts, your strategy, and a clear path forward.
Enter balances, interest rates, and minimum payments. Takes about 2 minutes.
Credit cards, loans, any dues — all in one place.
Snowball or Avalanche — we instantly calculate your debt-free date for each.
Switch anytime and see the new timeline immediately.
Update balances as you pay. Watch your progress bars grow.
Mark debts paid and feel the momentum build.
Two strategies
Both paths lead to zero. Pick the one that fits how your brain works.
Smallest balance first
Knock out the smallest debt first. Each payoff frees up cash for the next — building unstoppable momentum.
Highest interest rate first
Attack the debt costing you the most interest. Mathematically optimal — saves the most money over time.
Everything you need
Pay smallest balance first. Build momentum with quick wins that keep you going.
Target highest interest rates first. Save the maximum amount in interest over time.
Exact debt-free date, not a rough estimate. Recalculates instantly when you switch strategies.
Progress bars per debt. Watch percentages climb as you make payments.
See exactly when each debt clears, and when the very last one hits zero.
Track in your local currency. Built for users worldwide, not just USD.
Start today
Join people tracking their way to zero. Free to start — takes less than 60 seconds to set up.
Start Free TodayNo credit card required · No hidden fees · Free to start
Pay your smallest debt first while making minimum payments on everything else. Once it's gone, roll that freed-up payment into the next smallest. The momentum builds fast.
Target the debt with the highest interest rate first. It saves you the most money in interest over time — even if it takes a bit longer to see your first debt disappear.
Free to get started. Sign up and begin tracking your debts at no cost.
We use your balances, interest rates, and monthly payment budget to model exactly when each debt clears — and when the very last one hits zero.
Yes, anytime. Switch from Snowball to Avalanche (or back) and your plan recalculates instantly. Great for comparing the two options.