Credit Card Payoff Plan

See your real debt-free date — avalanche vs snowball, credit-card payoff, multi-debt timeline — without sharing a single number with a fintech.

The credit card you opened last summer is quietly costing you a vacation a year. Debt-Free Plan shows you, in one screen, exactly which payoff strategy gets you out fastest and how much interest you'll save. No "talk to a debt consolidator" funnel. No income verification. No upload of your statements.

✓ **Avalanche vs snowball** side-by-side with the actual interest-saved dollar gap
✓ **Multi-debt timeline** — track every credit card, student loan, and personal loan in one plan
✓ **Credit card payoff calculator** — minimum payment trap detection ("at this rate, payoff is 27 years")
✓ **Extra-payment what-if** — drag a $50, $100, $250 monthly extra and watch the date jump
✓ **Debt-free date** — exact month and year, not vague years-remaining
✓ **Interest saved** total over the life of the plan
✓ **Snowball motivation card** — see the next debt to disappear (psychology + math)
✓ **APR change preview** — what happens to your timeline when one card jumps to 24.99%
✓ **Lump sum allocation** — tax refund / bonus directed by avalanche or snowball
✓ **Share your plan** — send the timeline to your spouse or accountability partner

**Your debts stay private.** Debt-Free Plan is 100% offline. No account. No bank linking. No credit-pull. No upload of statements. The balances, APRs, and payment amounts live only on your phone.

**Built for:**
The person staring at three credit cards wondering which to attack first. The couple deciding whether to put a $3,000 bonus on the highest-APR card or the smallest balance. The recent grad weighing student-loan strategy. Anyone who tried a "debt-consolidation calculator" website and saw 14 phone-number-required forms before getting a number.

**Why offline matters for debt math:** your APRs, balances and payment history are the exact data debt-consolidator lead-gen sites monetise. We don't have a server. The math runs in your tab.

Download free now — see your debt-free date in 60 seconds.