Pay off debt. See the finish line.
Add your loans and credit cards, pick a payoff strategy, and instantly see your debt-free date — with month-by-month projections and interactive charts.
No credit card. No email. 100% free.
Snowball & Avalanche
Choose the strategy that fits your personality — smallest balance first or highest rate first. Or define your own custom order.
Side-by-side comparison
See exactly how much time and money each strategy saves so you can make an informed choice.
Invest while you pay
Model what happens if you split your extra cash between debt payoff and investing. See the tradeoff visually.
Instant — no sign-up needed
Start planning in seconds. No account required. Sign in with Google only if you want to save and sync your plans.
Private by default
Plans are stored locally in your browser. Nothing leaves your device unless you choose to sign in.
Ready to see your payoff date?
Enter your debts in under 2 minutes and get a full payoff timeline instantly.
Create My Payoff Plan