Features / Debt payoff
See the true cost, then beat it
Track cards and loans with real rates and minimums, compare avalanche and snowball plans, and watch the payoff date move as you pay.
The whole picture
Balances, APRs, minimum payments, and due dates in one place — entered by hand or imported, with your edits always taking precedence.
Avalanche vs. snowball, side by side
See the debt-free date and total interest under each strategy, with your real numbers — not a generic calculator's.
Interest made visible
Minimum-payments-only projections show what waiting actually costs, per debt and in total.
Long-term debt treated differently
A mortgage isn't a credit card. Term debt is tracked for progress, not panic — payoff urgency stays focused where it pays off.
Paying down debt is compound interest working for you. The plan makes it visible; the tracking makes it stick.