Free to use · No account · Works offline

See your real
debt-free date.
Free.

Credit cards, auto loans, student loans, even your mortgage — one payoff plan with crystal-clear math in 60 seconds. Free for your whole payoff journey. A one-time $12 unlocks the premium planning suite. No subscription, ever.

Open the Dashboard — Free → ▸ Watch 60-second demo
Free, unlimited debts Data stays on your device Premium just $12 once
debtfree-dashboard.html · "What If" slider
▸ Drag the "What If" slider — watch years disappear from your timeline.
3 payoff strategies built in
$0 monthly fees, ever
∞ updates to your plan
100% private — data stays on your device
Inside the dashboard

A real payoff plan,
built in 60 seconds.

debtfree-dashboard.html
▸ Press play. Every feature in action — strategies, What If modeler, payment logger, milestones.
Sound familiar?

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.
Everything included

Built for people who are
serious about getting out.

🏦
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.
🏔️
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.
The math doesn't lie

What free
actually saves you.

Knowing the right strategy — and sticking to it — saves years of payments and thousands in interest. Here's what it looks like on $24,000 of debt:

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.
Early users

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
Simple pricing

Free to start.
$12 to go deeper.

The free tier takes you all the way to debt-free. Premium adds the planning and analysis tools — a one-time payment, never a subscription.

Free forever
Free
$0
Everything you need to get out of debt
Avalanche, Snowball & Hybrid — with full payment rollover
Unlimited debts, your real freedom date
Next Debt to Eliminate spotlight
Debt-Free Progress tracker
What-If extra-payment slider
Live payoff chart, promo APR tracking
Light & dark themes
Installs as an app · works offline · 100% private
Open the Dashboard — Free →
One-time $12
Premium
$ 12
Pay once, yours forever — no subscription
Everything in Free, plus:
What-If lump-sum modeling & planned windfalls
Monthly Cash-Flow Release view
Debt-Free Roadmap timeline
Sortable Portfolio table
Estimated-interest tracking
Supports ongoing development 💚
Get Premium — $12 →
Activate Premium right inside the app with your license key. No account required.
Questions

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. Open the free dashboard, run your numbers, and finally see the light at the end of the tunnel.

Open the Dashboard — Free →

Free to use · No account · Premium $12 one-time

Open the Dashboard — Free →