Personal Finance Tool · Interactive Dashboard

Stop Guessing.
Start Destroying
Your Debt.

The interactive payoff dashboard that shows you exactly when you'll be free — and the fastest path to get there. Track every debt, model every scenario, and update your plan as your life changes. No subscriptions. No bank access. Just a plan that works.

See Pricing
$49 one-time purchase · yours forever
3 payoff strategies built in
$0 monthly fees, ever
updates to your plan
100% private — data stays on your device

You earn good money.
So why is the debt still there?

01
You make more than enough — but the balances barely move month to month.
02
You've paid thousands in minimum payments with nothing to show for it except more interest.
03
You don't even know your real payoff date — and you're afraid to find out.
04
Every debt tool either wants a monthly fee or sells your data to lenders.

Your complete payoff
command center.

debtfree-dashboard.html
Total Owed
$24,400
Monthly Interest
$381
Freedom Date
Mar '27
Interest Saved
$4,820

Built for people who are
serious about getting out.

🏔️
3 Payoff Strategies
Avalanche, Snowball, and Hybrid — with a live side-by-side comparison showing exactly which method saves you the most. Hybrid mode lets you drag debts into your own custom payoff order.
📊
Live Payoff Chart
Watch your balance curve drop to zero as you adjust your monthly budget. Your Freedom Date recalculates in real-time every time you change a number.
🔮
"What If" Modeler
Add more monthly payment on top of your current plan and instantly see months saved and interest avoided — compared against your actual plan, not a hypothetical baseline.
🎯
Promotional APR Tracking
Have a 0% balance transfer? Enter the promo rate, end date, transfer fee, and post-promo APR. The dashboard automatically switches rates when your promo expires — so your math is always accurate.
💸
Windfall Planner
Apply a tax refund, bonus, or side hustle income to any debt and instantly see the ripple effect on your entire timeline. Made a mistake? Undo it — your balance restores automatically.
📝
Payment Logger with Undo
Log every payment with a date and amount. Delete any entry — even out of order — and the dashboard recalculates your balance from scratch so the math is always right.
✏️
Full Debt Editing
Edit any field on any debt at any time — name, type, balance, APR, minimum payment, and all promo fields. Your entire plan updates immediately. Built for real ongoing use.
🏆
Milestones & Wins
Nine achievement badges unlock automatically — from your first payment logged to $10,000 paid off. Momentum is the real product. Every win gets its moment.
🔒
100% Private
Your data never leaves your device. No account, no server, no cloud sync. Open in any browser — your data saves locally and persists automatically across every session.

Here's what $49 could
actually be worth to you.

The average American with credit card debt pays over $1,000 per year in interest alone. Knowing the right strategy — and sticking to it — can save you years of payments and thousands of dollars.

This dashboard makes that strategy crystal clear.


The $49 you spend today could save you $4,000+ in interest over the next two years.

Example: $24,000 in debt at 22% APR

Minimum payments only 14+ years
Interest paid (min only) $18,400
With Avalanche + $300 extra/mo 3.5 years
Interest paid (optimized) $5,200
Your savings $13,200
✓ That's 10+ years of your life and $13,200 back in your pocket — just from having a clear strategy.

What people are saying.

★★★★★

I've tried every budgeting app out there. This is the first tool that actually showed me a real date when I'd be debt-free. I cried a little.

— Morgan T., Marketing Director
★★★★★

The "What If" slider is everything. I moved it to $500 extra per month and watched 4 years disappear from my timeline. Motivation unlocked.

— James R., Software Engineer
★★★★★

No login, no subscription, no selling my data. Just a beautiful tool that keeps me accountable. I open it every payday.

— Alicia K., Operations Lead

One file. Total control.

Interactive Dashboard (HTML file)Works on any device — phone, tablet, laptop. No app install needed.
All 3 Payoff Strategies + Drag-to-ReorderAvalanche, Snowball & Hybrid with live comparison. Hybrid lets you set your own order.
Promotional APR Tracking0% balance transfer support with auto rate-switching when your promo expires.
Full Debt EditingEdit every field on every debt at any time — including all promo fields.
Payment Logger with UndoLog payments, delete any entry out of order — balance recalculates from scratch every time.
What If Modeler + Windfall PlannerModel additional payments on top of your plan. Apply and undo windfalls instantly.
9 Milestone BadgesUnlock automatically as you crush your debt — from first payment to debt eliminated.
100% Private — Data Stays LocalNo account, no server, no cloud. Your numbers never leave your device.

Two tiers.
One freedom date.

Starter
DebtFree Dashboard
$ 49
One-time · PWA app · No subscription ever
Installs as native app on any device
Avalanche, Snowball & Hybrid strategies
Drag-to-reorder Hybrid mode
Live payoff chart & freedom date
Promotional APR tracking
What If modeler vs. your actual plan
Windfall planner with one-click undo
Payment logger with out-of-order deletion
Full debt editing — every field, any time
9 milestone achievement badges
100% private — data stays local
Get Starter — $49 →
🛡️ 30-day money-back guarantee
Most Popular
Pro
DebtFree Dashboard Pro
$ 97
One-time · Everything in Starter, plus
⭐ Private 30-min video walkthrough
⭐ Debt-Free Action Checklist (10 steps)
⭐ Priority email support
⭐ Free lifetime updates
Everything in Starter included
Installs as native app on any device
All 3 strategies + live comparison
What If modeler + Windfall planner
Full debt editing + payment logger
9 milestone badges
100% private — data stays local
Get Pro — $97 →
🛡️ 30-day money-back guarantee
Not sure which to pick? Start with Starter — you can always upgrade.

FAQ

What exactly do I get when I buy? +
You get a single HTML file that you download and open in any web browser — Chrome, Safari, Firefox. No installation, no account, no internet required after download. It works on your phone, tablet, or computer.
Is my financial data safe? +
Completely. Your data never leaves your device. Everything is stored locally in your browser — there's no server, no account, no cloud sync. We literally cannot see your numbers even if we wanted to.
Does it work on my phone? +
Yes. The dashboard is fully mobile-responsive. Open the file in your phone's browser and bookmark it to your home screen for easy access — it'll feel like a native app.
What if I want to update my balances over time? +
That's exactly what it's built for. Tap "Edit" next to any balance, enter your new number, and your entire plan recalculates instantly. Log payments as you make them to track real progress over time.
Is there a refund policy? +
Yes. If you're not happy with the dashboard within 30 days of purchase, just email us and we'll refund you in full. No questions asked.

Your freedom date
is waiting for you.

Stop making minimum payments into the void. Get the plan, run the numbers, and finally see the light at the end of the tunnel.

Get Starter — $49 Get Pro — $97

One-time · No subscription · 30-day guarantee