Wipe out your debts with 100% precision.
Not all credit is the same. Automatically compare the Avalanche and Snowball methods and see exactly which month and year you'll be completely free of all your debts.
Predictive Models
Avalanche vs. Snowball
See the power of paying off the smallest debt first to build motivation (Snowball), or settling the highest-interest one first to maximize your savings (Avalanche).
Dynamic Timeline
Add an extra payment each month and watch on a chart how total interest drops and your payoff date moves up — calculated on your real balance and rate, not a generic estimate.
Mastercard Bank
Bad Debt · 24% APR
Interest Saved
$ 450.00
Freedom Date
Oct 2027
Debt Payoff Manual
How to use the app to get free faster.
Inventory of Liabilities
Go to the 'Debts' module. Add each loan or credit card by entering exactly three details: the Total Balance you still owe, the Interest Rate % and the Monthly Minimum Payment the bank requires.
Choose the Strategic Method
In Debt Settings, turn on 'Avalanche' mode (if you're rational and calculating, this kills interest fastest) or 'Snowball' (if you're more emotional and need quick micro-wins by closing small accounts).
Follow the Formula Every Month
When you build your month's Zero-Based Spending Plan, the system will already know how much to assign to each card. Don't rethink your strategy: just pay what the system tells you and watch the freedom chart move toward Zero month after month.