Escape the
gravity of debt.
Ledger turns your balances into one weightless plan — the exact order to pay, the day you're free, and every dollar of interest you'll shed along the way.
Payoff strategies
Currencies supported
Private, on-device
To your first plan
Works with every kind of debt
Watch your balance fall to zero
Ledger projects every month ahead and shows the exact date you'll be free. Pay a little extra and the whole curve pulls in — you can literally see the finish line move closer.
Real progress you can feel
Log each payment and watch the ring fill. Every debt you clear triggers a little celebration — the small wins that keep you going all the way to zero.
- ✓Per-debt progress bars
- ✓Milestone confetti on payoff
- ✓A running debt-free countdown
Pick the strategy that saves you more
Compare both methods on your real numbers. See exactly how much interest and how many months each one costs — then choose with your eyes open.
Total interest paid · lower is better
Three steps to a plan you'll follow
List your debts
Balance, rate, and minimum payment. Two minutes, no bank login.
Pick a strategy
Avalanche to save the most, or Snowball for quick, motivating wins.
Follow the plan
Log payments, watch progress fill, and reach your debt-free date.
People are getting to zero
Illustrative
“Seeing an actual debt-free date instead of a vague ‘someday’ changed how I budget.”
“The avalanche-vs-snowball comparison settled a months-long argument in ten seconds.”
“No signup, no bank connection, no ads. I trusted it immediately.”
“The extra-payment slider showed me $1,200 in interest I could avoid. Sold.”
“Watching the progress ring fill is weirdly motivating. I pay more just to move it.”
“Seeing an actual debt-free date instead of a vague ‘someday’ changed how I budget.”
“The avalanche-vs-snowball comparison settled a months-long argument in ten seconds.”
“No signup, no bank connection, no ads. I trusted it immediately.”
“The extra-payment slider showed me $1,200 in interest I could avoid. Sold.”
“Watching the progress ring fill is weirdly motivating. I pay more just to move it.”
Questions, answered
Yes. The core planner — avalanche & snowball strategies, your debt-free date, the payoff chart, payment tracking, and up to 3 debts — is free forever, no card required. Ledger Pro unlocks unlimited debts, the full amortization schedule, and CSV export.
No. You enter your debts manually — there's no bank linking and no screen-scraping. You stay in control of exactly what Ledger knows.
In a secure database, isolated per account so only you can see your debts and payments. We never sell or share it, and you can export or permanently delete everything from Settings at any time.
Avalanche attacks your highest-interest debt first, which saves the most money. Snowball clears your smallest balance first for a quick, motivating win. Ledger shows both so you can decide with your eyes open.
Absolutely. Downgrade whenever you like from Settings — your data stays intact on the free plan.
The last step
Your debt-free date is
closer than you think.
Start free forever. Ledger Pro unlocks unlimited debts, your full schedule, and CSV export for $4/mo billed yearly (save 33%), or $6/mo.