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.