A payoff plan grounded in your real numbers
A debt payoff app connected to what you actually spend.
Track your payoff plan right next to your budget and savings — one dashboard, so the plan is grounded in real numbers, not a calculator that has no idea what else is going on with your money.
No credit card required. Your data is isolated at the database level — yours alone.
Debt Payoff
$3,800 remaining
On track for June
Budget Tracker
$1,240 / $1,800
This month
Savings Goal
$2,400 / $5,000
Toward vacation fund
Subscriptions
Netflix renews in 3 days
$86.97/mo total
A payoff calculator doesn't know your real budget
Debt payoff calculators are useful for the math — snowball or avalanche, months to freedom — but they run on numbers you type in once and forget to update. They have no idea what you're actually spending this month, or whether that extra payment is realistic.
So the plan lives in a spreadsheet or a one-time calculator, disconnected from the budget that actually determines whether you can stick to it.
One dashboard, a plan grounded in real numbers
Debt Payoff sits next to the modules that actually fund it.
Debt Payoff
Track balances and watch the number actually move as you pay it down.
Budget Tracker
See what you can realistically put toward debt this month, not a guess.
Savings Goal
Balance paying down debt against building savings, side by side.
Subscription Tracker
Find the money for an extra payment by seeing what you're paying for that you don't use.
Why not just use a payoff calculator?
Good for the math once. It has no idea what's actually happening with your money day to day.
Grounded in your real budget
See what you can actually afford to put toward debt this month, not a number typed in once.
Progress you can actually see
Watch the balance move over time, in the same dashboard as everything else.
Add more as your plan gets more specific
Start with just Debt Payoff, and add Budget Tracker or Savings Goal whenever you need them.
Your numbers are yours to see — no one else's
Privacy isn't a policy page here — it's how the database is built.
Fifteen days. Every feature. No card required.
Add Debt Payoff — and ground it in your real budget — before you decide anything.
Start free trialQuestions about the debt payoff tracker
Does it support snowball or avalanche strategies?
Yes — track any number of balances and pay them down in whatever order fits your strategy. The module doesn't lock you into one method.
Does it connect to my bank?
No — you log balances and payments yourself. Nothing here requires linking a bank account.
Can I track debt and savings at the same time?
Yes — add Savings Goal alongside Debt Payoff to balance both in the same dashboard.
Is it free to try?
Yes — every module, including Debt Payoff, is included in the 15-day free trial with no credit card required.
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