A clear path to be Debt Free
Turn your debt into a plan — in 2 easy steps. List what you owe, add what you can pay, and get a month-by-month path to your debt-free date.
Build my plan
Free, no signup needed. Your numbers stay in your browser until you choose to save.
1
List your debts
Cards, loans, medical bills — just the balance, rate, and minimum payment off each statement.
2
Add what you can
Tell us how much extra you can put toward debt each month — even $0 works.
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Get your plan
A month-by-month path: what to pay first, the interest you'll save, and your debt-free date.
Snowball or avalanche — your call
The snowball method clears your smallest balance first for fast, motivating wins. The avalanche method attacks your highest interest rate first to minimize total cost. DebtFree simulates both — switch any time and see the difference instantly.