DebtClear: Debt Payoff Planner

DebtClear is a debt payoff planner that turns your credit cards, loans, and balances into one clear plan - so you know exactly when you'll be debt-free.

DEBT SNOWBALL OR DEBT AVALANCHE - SIDE BY SIDE
Compare the two proven debt payoff methods on your real numbers. Snowball pays the smallest balance first for quick, motivating wins. Avalanche targets the highest interest rate first for the mathematically fastest, cheapest payoff. DebtClear shows exactly how much interest and how many months each one saves - no spreadsheet required.

SEE YOUR REAL DEBT-FREE DATE
Enter each debt once - balance, interest rate, minimum payment - and get a month-by-month payoff timeline: which debt clears when, total interest paid, and the date you finally hit $0.

TRACK EVERY CREDIT CARD AND LOAN IN ONE PLACE
Credit cards, student loans, car loans, personal loans, medical debt - track them all together and watch the balance fall.

CATCH THE MINIMUM-PAYMENT TRAP
Paying only the minimum can stretch a balance out for decades and multiply the interest you pay. DebtClear flags the true cost clearly, before it costs you.

APPLY A WINDFALL IN ONE TAP
Tax refund, bonus, or side-gig payout? The windfall calculator shows exactly how much time and interest a lump-sum payment saves before you commit it.

CELEBRATE EVERY DEBT YOU PAY OFF
Clearing a card or loan is a real milestone. DebtClear marks it, so progress feels like progress.

CALM, NOT SHAME
No lectures, no red ink, no guilt. Just a clear plan and the confidence that you've got this.

FREE TO START
Track up to 3 debts and use the full payoff calculator free. Upgrade for unlimited debts, side-by-side strategy comparison, and export.

DebtClear is a planning tool, not a lender, and never accesses or moves your money. Your data stays on your device.

Start your debt snowball today and see your debt-free date.