Master Your Debt with
Real Math.
Stop guessing. Compare avalanche, snowball, and Velocity Banking against your real balances, rates, and cashflow — and see the math behind every path.
Cutting Edge Payoff Tools
Our technology does the heavy lifting so you can focus on living your best life.
Smart Strategy
Compares avalanche, snowball, and Velocity Banking against your real debts, rates, and cashflow to find the fastest path to zero.
War Room Scenarios
Stack lump sums, extra cashflow, and strategy switches side-by-side to see exactly how many months and dollars each move saves.
Velocity Banking Engine
Model interest-arbitrage chunks from a HELOC, credit card, or PLOC against your highest-rate debts — with automatic payback scheduling.
Payment Reminders
Get a heads-up when a debt payment is due today, tomorrow, or in the next few days — plus a weekly email summary of your progress.
Real-time Tracking
Log transactions and watch your freedom date, interest saved, and net worth update instantly across every device.
Secure & Private
AES-256 encryption at rest, TLS 1.3 in transit, row-level security on every record. Your data isn't sold, shared, or used to train models.
Educational. Debt AI Pro is a planning and education tool — not a financial advisor, lender, or credit counselor — and nothing it produces is financial, tax, legal, or investment advice. All strategies and projections are illustrative estimates based on the information you enter; for guidance tailored to your situation, consult a qualified financial professional of your choosing. See our Terms of Service for full details.
How It Works
Simple steps to taking control of your financial destiny.
Add Your Accounts
Enter your credit cards, loans, and financial accounts to build your complete debt profile.
Run The Numbers
The payoff engine simulates every strategy month by month against your real balances, rates, and cashflow.
Personalized Plan
Receive a step-by-step custom roadmap tailored to your specific income and goals.
Financial Freedom
Execute your plan with payment reminders and a weekly email summary, and watch your freedom date move closer.
Calculate Your Savings
See how much interest you avoid by paying more than the minimum.
Starts at the $250/mo minimum due on this balance.
Lifetime Interest Saved
Paid off in 2 yr 2 mo vs 23 yr 1 mo at the minimum.
Modeled against a 1%-of-balance + interest minimum payment (US credit-card standard). Real savings depend on promo APRs, lump sums, and which strategy you pick inside the app.
Claim Your Savings NowSimple, Transparent Pricing
Choose the path that fits your journey to freedom.
Free
Basic debt tracking for beginners
- Track up to 2 debts
- Avalanche, snowball & Velocity Banking
- War Room scenarios
- Payment reminders & weekly email
- Cross-device syncing
- Community support
Pro
Every debt you owe, no limits
- Unlimited debt tracking
- Avalanche, snowball & Velocity Banking
- War Room scenarios
- Payment reminders & weekly email
- Cross-device syncing
- Priority 24/7 support