Your Journey to Debt Freedom
Made Simple
Take a deep breath. We make debt planning simple, clear, and surprisingly peaceful. Get your personalized plan in minutes – no stress, no judgment, just helpful guidance.
Simple & Easy
No complexity
Private & Safe
Your data secure
Always Free
No hidden costs
Everything You Need to Succeed
Comprehensive tools, strategies, and insights to take control of your finances and achieve debt freedom.
AI-Powered Analysis
Automatically categorize transactions and export your spending data for complete debt planning insights.
Multiple Debt Strategies
Compare snowball, avalanche, and custom payoff methods with precise calculations and timeline visualizations.
100% Free & Secure
No signup required for basic features. Your financial data is processed securely and never stored permanently.
Supported Debt Types
Credit Cards
High-interest debt prioritization
Student Loans
Education debt optimization strategies
Mortgages
Home loan acceleration planning
How Debt Planner Works
Get your personalized debt elimination plan in three simple steps
Upload Your Data
Securely upload bank statements or manually enter your debts. Our AI instantly analyzes your financial situation and categorizes every transaction for complete spending insights.
Get Your Strategy
Receive a personalized debt elimination plan comparing snowball, avalanche, and proportional payment methods.
Achieve Freedom
Follow your optimized plan with detailed payoff timelines and strategies to become debt-free faster.
See Debt Planner in Action
Complete debt management from analysis to payoff - all in one platform
Transaction Breakdown & Export
Get detailed insights into your spending with comprehensive transaction analysis:
- ✓Automatic transaction categorization
- ✓Visual spending breakdown with pie charts
- ✓Detailed transaction list with categories
- ✓Export all data to CSV for further analysis
Savings Opportunities Analysis
Discover potential savings to accelerate your debt payoff:
- ✓Calculate potential monthly savings
- ✓Visual breakdown by spending category
- ✓Compare current vs optimized cash flow
- ✓Clear visualization of savings potential
Strategy Comparison
Compare different debt payoff strategies to find the best approach:
- ✓Snowball vs Avalanche comparison
- ✓Total interest calculations for each method
- ✓Interactive payoff timeline visualization
- ✓Clear visual comparison of all strategies
Strategy Tracking & Action Plan
Get step-by-step guidance with detailed action plans:
- ✓Track multiple strategies simultaneously
- ✓Detailed step-by-step action plan
- ✓Monthly payment amounts and schedules
- ✓Debt payoff order with specific timelines
Detailed Payment Timeline
Track your progress with month-by-month payment schedules:
- ✓Month-by-month payment breakdown
- ✓Interest calculations for each payment
- ✓Track debt payoffs and reallocations
- ✓Visual progress tracking with events
Powerful Features for Debt Freedom
Educational tools and calculators to help you explore debt elimination strategies
Smart Debt Detection
Our AI automatically identifies and categorizes all your debts from bank statements, saving you hours of manual data entry and ensuring nothing is missed.
Smart Transaction Insights
Automatically categorize every transaction and export your spending data to CSV. Get crystal-clear insights into where your money goes each month.
Optimized Payoff Strategies
Compare debt snowball, avalanche, and proportional payment methods withprecise calculations showing exactly how much time and money each strategy will save you.
Detailed Payoff Analysis
Visualize your path to financial freedom with dynamic charts anddetailed payoff timelines showing exactly when you'll be debt-free with each strategy.
Frequently Asked Questions
Get answers to common questions about debt elimination strategies
💰How to Pay Off Debt Fast?
Use our free debt planner to compare the debt snowball method (paying smallest debts first) versus the debt avalanche method (highest interest rates first). Our debt payoff planner helps you understand different approaches.
⚖️Debt Snowball vs Avalanche?
It depends on your psychology and math preference. Debt snowball provides quick psychological wins, while debt avalanche may save more in interest costs. Our calculator shows you both scenarios for comparison.
🔄Better Than Debt Consolidation?
Our proportional payment method distributes extra payments across all debts. You can explore whether strategic payoff plans or balanced payment approaches work better for your situation.
📈How Much Money Can I Save?
The calculator will show you potential interest savings and timeline improvements compared to minimum payments. Upload your statements for a personalized calculation.
Become Debt-Free Faster
Explore debt elimination strategies with our educational planning tool. Upload bank statements for AI-powered analysis, automatic transaction categorization, and personalized payoff calculations to understand your options.