Your Path to Debt Freedom
Stop guessing when you'll be debt-free. Choose your strategy, simulate extra payments, and watch your payoff date move closer in real time.
3
Proven Payoff Strategies
30yr
Max Payoff Projection
100%
Debt-Free Tracking
Three Strategies, One Goal
Choose the approach that fits your psychology and financial situation. Switch anytime and compare results.
Snowball
Pay off your smallest balance first, regardless of interest rate. Perfect if you need motivation from early victories.
- Fastest psychological wins
- Builds momentum quickly
- Best for motivation seekers
Avalanche
Pay off your highest interest debt first. Mathematically optimal – you'll pay less interest overall.
- Saves the most money
- Fastest debt elimination
- Best for disciplined payers
Cash Flow
Pay off debts with the highest monthly payments first. Frees up cash flow fastest for other goals.
- Maximum cash flow relief
- Budget flexibility
- Best for tight budgets
See the Impact of Extra Payments
What if you put an extra $100, $200, or $500 toward your debt each month? Our simulator shows you exactly how much sooner you'll be debt-free and how much interest you'll save.
Quick Presets
Tap $50, $100, $200, or $500 to instantly see the impact
Visual Progress
Watch your payoff trajectory chart update in real time
Debt-Free Date
See your exact debt-free date with each strategy
Example: Credit Card Payoff
$8,500 balance @ 19.99% APR
*Illustrative example. Actual results vary by debt profile.
Start Your Debt-Free Journey Today
Connect your accounts, choose your strategy, and see exactly when you'll be debt-free.