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Installment Loans New
Auto, student, personal, and mortgage loans are first-class debts — alongside your credit cards. Mortgages stay out of your payoff plan by default so the timeline focuses on what you’re actively crushing. Flip a checkbox to change it.
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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.
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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.
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"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.
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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.
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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.
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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.
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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.
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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.
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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.