See your path to debt freedom

No judgment. No pressure. Just a clear plan to pay off your debt — and the encouragement to stick with it.

Every journey starts with a single step. Let's figure out yours together.

Three simple steps to clarity

No account needed. No confusing jargon. Just your path forward.

Enter each debt with its balance, interest rate, and minimum payment. Takes about 2 minutes.

Even $20/month helps. But if there's nothing extra right now, that's okay too.

Get your debt-free date, total interest, and a step-by-step payoff order.

Both work. The best one is the one you'll stick with.

Smallest balance first

Pay off your smallest debts first. Each victory builds momentum and motivation to keep going.

Highest APR first

Attack your highest interest rate first. Mathematically optimal — saves the most money over time.

Extra Payments

Minimums Only

Target Date

Fixed Extra

Balance Transfer

Consolidation

Refinance

DTI Ratio

Side Income

Custom Order

Tips, strategies, and motivation for your debt-free journey.

5 min read • Strategies

Two popular options for consolidating debt—but which one will save you more money?

4 min read • Calculator Guides

The complete guide to the debt snowball method, from listing your debts to celebrating your final payment.

4 min read • Strategies

Debt consolidation sounds appealing, but is it the right move for you? Here's how to decide.

It takes less than 5 minutes. And it might just change how you feel about your debt.