Lighten: Debt Payoff Planner

Stop guessing when you'll finally be debt-free. Lighten is a straightforward payoff planner for anyone juggling more than one debt — credit cards, personal loans, installment plans, or app loans. Add every balance you owe, pick a strategy, and watch your exact payoff date update in real time. HOW IT WORKS 1. Add your debts — balance, interest rate, minimum payment 2. Choose Snowball (smallest balance first) or Avalanche (highest interest first) 3. Follow your month-by-month roadmap to $0 WHY PEOPLE TRUST LIGHTEN Your data never leaves your phone. No account, no bank login, no server, no tracking. Every calculation happens locally on your device — the way a debt tool should work. KEY FEATURES • Unlimited debts tracked — free, always. We never gate the one thing that matters most: seeing your full picture. • Real interest-rate math, including the hidden cost of "fixed rate" loans, shown as their true effective rate • Instant warning when a minimum payment doesn't even cover the interest — the debt trap most people never notice • Monthly payoff roadmap showing exactly which debt to focus extra payments on • Payment reminders so you never miss a due date • Available in English, Vietnamese, Spanish, Portuguese, and Indonesian LIGHTEN PRO (one-time purchase, no subscription) • Compare multiple what-if scenarios side by side • Advanced progress charts • Export your roadmap as a PDF • Remove ads Lighten doesn't sell loans, doesn't push credit offers, and never encourages you to borrow more. It's built to help you owe less — one month at a time.