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See the day you'll be debt-free.

Type in your debts once. The Debt Payoff Tracker shows the exact month you'll be free, what you'll pay in interest, and how much you'll save — then lets you drag one slider to pull the date closer. The dawn rises as you clear it.

$12one payment · yours forever
Try the whole thing free Get it

Try before you buy

The whole tool, right here — free.

This is the real thing, filled with example debts. Add your own, drag the slider, switch to dark. Nothing is saved unless it's your copy.

Open the demo full screen →

A closer look

Calm to read, quick to use.

You'll be debt-free by November 2028
Your finish lineThe date, the interest, and the dawn — all in one glance.
You'll be debt-free by November 2028
Built on aubergine, not blackA dark mode that still feels warm at 11pm.
Pay off in this order Lowest interestSmallest Extra payment each month +$150 Adding $50 more clears you 7 months sooner.
Drag to see the differenceOne slider, and the finish line moves in real time.
When each debt clears ✓Store cardalready paid offcleared 1Visa$612 interestApr 2028 2Car loan$1,155 interestNov 2028
A clear payoff orderWhich debt clears when, and what each one costs you.

What you get

One file. Everything in it.

  • The full Debt Payoff Tracker as a single file you save and keep
  • Avalanche and snowball strategies, with the math done for you
  • Light, dark, and auto themes — warm at any hour
  • Save a clean PDF snapshot, and back up your numbers any time
  • Works offline, on phone or computer, with no account

How it works

Three small steps.

Add your debts

Balance, interest rate, minimum payment. Once each, that's it.

Pick a strategy, drag the slider

Lowest-interest-first or smallest-balance-first, plus any extra you can spare.

See your date, watch the dawn

Your debt-free month appears, and the sun rises as the balance falls.

Good to know

Questions, answered.

How do I get the tracker after I buy?+

Right after checkout you'll get a download link by email. The tracker is a single file — save it, open it in any browser, and it's yours.

Is this a subscription?+

No. One payment, yours to keep. No renewals, no recurring charges, no upsells.

Does it need an account or internet?+

Neither. There's no sign-up, and once the file is saved it works offline. Everything you enter stays in your own browser, on your device — nothing is sent anywhere.

Will it work on my phone?+

Yes — it's built to work full-size on phones, tablets, and computers, not a shrunken version on the small screen.

Can I get a refund?+

That's exactly why the full tool is free to try first — so you know it fits before you buy. If something's wrong with your download, reach out and we'll make it right.

Is this financial advice?+

No. The tracker gives careful estimates to help you plan. Your lender's exact terms may differ, and it isn't a substitute for advice from a professional.

Little and often

Start with the date you'll be free.

$12 · one payment, yours forever

Try it free Get the tracker