DebtClear: Debt Payoff Planner

Stop guessing when you'll be debt-free. DebtClear turns your credit cards, loans, and balances into one clear payoff plan — so every payment has a purpose.

Two proven strategies, side by side
Choose Snowball (smallest balance first, for quick wins that keep you motivated) or Avalanche (highest interest first, for the mathematically fastest payoff). DebtClear shows you exactly how much interest and how many months each strategy saves — no spreadsheet required.

See your real payoff date
Enter your debts once — balance, rate, minimum payment, type — and get a month-by-month timeline showing which debt gets paid off when, your total interest paid, and the date you'll finally hit $0.

Catch the minimum-payment trap
Making only minimum payments can stretch a payoff out for decades and multiply the interest you pay. DebtClear flags this clearly so you know the true cost before it costs you.

Apply a windfall in one tap
Got a tax refund, bonus, or side-gig payout? Use the built-in windfall calculator to see exactly how much time and interest a lump-sum payment saves — before you commit it.

Celebrate every debt you kill
Paying off a card or loan is a real milestone. DebtClear marks it with a celebration moment, so progress feels like progress — not just a smaller number.

Built for real life, not shame
No lectures, no red ink, no guilt trips. DebtClear is calm, clear, and built around one idea: you've got this, you just need a plan.

Free to start
Track up to 3 debts and use the full calculator at no cost. Upgrade for unlimited debts, side-by-side strategy comparison, and export.

DebtClear is a planning tool, not a lender, and does not access or move your money. All data stays on your device.