How it works

From scattered debts to one clear plan

No bank linking, no spreadsheets. Four steps to a plan you'll actually stick to.

01
Add your debts
Enter each card or loan — balance, interest rate, and minimum payment. Import a whole CSV in one go, or add them one at a time. Credit cards show utilization; loans show payoff progress.
02
Pick a strategy
Choose Avalanche to pay the least interest, or Snowball for quick, motivating wins. Ledger shows both side by side so you can decide with your eyes open.
03
See your debt-free date
Instantly get the exact month you'll be debt-free, the total interest ahead, and a month-by-month payoff chart. Nudge the extra-payment slider to watch the date jump closer.
04
Track every payment
Log payments as you go. Balances update, progress climbs, and freed-up minimums roll into your next target automatically. Milestones get a little celebration.

Not sure which strategy?

Avalanche saves the most money; Snowball keeps you motivated. Here's how to choose.