Eliminate: Debt Payoff Planner

Most debt apps want your bank login before they'll show you anything. Eliminate never does. No bank connections. No account. No email. No data collection. Every balance, payment, and due date lives only on your phone, so your financial life stays yours. An app that can't see your bank can't leak it, sell it, or lose it when the company shuts down. Then it gets to work: • SEE YOUR DEBT-FREE DATE. Add your cards and watch Eliminate map the exact month you'll be free, with a payoff curve that updates as you pay.

• SNOWBALL OR AVALANCHE. Smallest balance first for quick wins, or highest APR first to save the most interest. Switch anytime and compare.

• KNOW WHAT TO PAY, WHEN. Per-card minimums, due-date reminders, and utilization alerts that flag when a card may hurt your credit score.

• PAYMENT RHYTHM. See how much interest a single early or mid-cycle payment saves you this billing cycle. You won't find this elsewhere.

• LOG EXTRA PAYMENTS IN ONE TAP. Throw a little extra at your target card and instantly watch your date move closer.

• YOUR DATA, YOUR DEVICE. Back up and restore with a file you control. Export anytime. Nothing is ever uploaded. Free to start. Upgrade to Pro for unlimited cards and every feature: monthly, yearly, or a one-time lifetime purchase. No ads, ever. Pay it down. Own your future.

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