Find your way out of debt.
See what to pay next, how much interest you'll save, and the exact month you make your last payment. No bank logins. No judgement.
Free payoff calculator
Debt-free by
May 2030
Time to clear
3y 10m
Interest paid
$3,498
Debt-free 10 months sooner · save $849 in interest
Free · no signup to see your plan
Your whole picture
Every balance, in one calm view
A dashboard that turns a pile of statements into clear, motivating progress — on your laptop and in your pocket.
Dashboard
Welcome back, Dean
Tesco Bank is gone for good. First debt down — keep the momentum.
Since joining
32% paid off
£8,200 cleared of £25,400
Momentum
Debt Crusher
4,300 XP / 1 mo streak / 4 of 10 badges
Your next move
Put every spare pound on Barclaycard.
At 24.9% APR it's your most expensive balance (£5,200 left) — clearing it saves the most.
Quick win
Overpay £50/mo on Barclaycard → clear it 18 months sooner.
On top of its £145/mo minimum, that saves £1,120 in interest.
Your debts
£40,600 owed / £593 min/mo
Barclaycard
Credit card / 24.9% APR
£5,200
High APR
Volkswagen finance
Hire purchase / 7.4% APR
£11,400
Essential
Student loan
Education / 4.3% APR
£24,000
Low priority
Total balance
£16,600
Everything you need
Built to get you to zero
Clear, calm tools that turn a list of balances into a plan you can feel good about.
See everything
Every debt, beautifully organised
Credit cards, loans, car finance, student loans and more — each colour-coded, with balances, APR and due dates at a glance. No spreadsheets, no guesswork.
Credit card
Hire purchase
Student loan
Private by design
No open-banking, no logins to revoke. Your numbers stay yours — encrypted, and never sold.
- ✓ bcrypt-hashed passwords
- ✓ Encrypted database
- ✓ GDPR-ready exports
Get a plan
Know the exact day you’ll be free
The payoff planner compares avalanche and snowball, factors in interest, and shows your debt-free date — updating live as you add an extra payment.
18 mo
£1,240 interest
20 mo
£1,560 interest
Stay motivated
Turn paying off debt into a win
Earn XP, build streaks, unlock achievements, and get a confetti moment every time a balance hits zero. Progress you can feel is progress you keep.
Level 4 · Debt Crusher
5-month streak — keep it going!
Pricing
Start free. Upgrade only if it earns it.
Free
$0
Everything you need to get your first debts under control.
- ✓Track up to 3 debts
- ✓Log your payments and balances
- ✓Progress, streaks and achievements
Most popular
Pro
$4.99/month
or $49.90/year — 2 months free
For when you're ready to pay it all off faster, with a real plan.
- ✓Track unlimited debts
- ✓Your full payoff planner
- ✓Payment history & charts
- ✓Custom categories & filters
- ✓Auto-logged recurring payments
- ✓Export your data to CSV
FAQ
Anything you're wondering?
Yes — the Free plan lets you track up to 3 debts, log payments and follow your progress, forever. Pro ($4.99/month) unlocks unlimited debts, the payoff planner, payment-history charts, custom categories, auto-logged payments and CSV export.
Your balance of zero
starts today.
Join free, add your first debt, and take the first step toward financial freedom.
Create your free account