Is this tool free to use?

Yes, this tool is completely free with no hidden costs, no watermarks, and no usage limits.

Absolutely. All processing happens directly in your browser. Your files are never uploaded to any server.

Do I need to create an account?

No registration or signup required. Just open the tool and start using it immediately.

Create a debt payoff plan using snowball or avalanche method. See your debt-free date and total interest saved.

1 Click Add Debt to enter each debt with balance, interest rate, and minimum payment
2 Set your extra monthly payment amount if applicable
3 Choose a payoff method (Snowball or Avalanche)
4 Click Calculate Plan to see your debt-free date
5 View the payoff order and total interest savings

🔒 Instant results, faster than AI. No signup. 100% private.

Last updated: January 15, 2026 · v2.1