Every tool, free.
Thirteen calculators, five templates and two guides for getting out of debt. Built by the people who make Debtless, priced at nothing, and honest about what the math says.
Type in your numbers and get a date. Everything runs in your browser; nothing is sent anywhere.
Smallest balance first. See your payoff order and debt-free date.
Highest interest rate first. The order that costs the least.
Run both orders on your debts and see the difference in dollars and months.
How long until zero, and what an extra $50 a month does to the date.
What extra principal does to a 30-year loan, in years and dollars.
Any loan: how soon you're done with extra payments or a lump sum.
Pay the car off early and see the interest you skip.
Extra payments and lump sums on a fixed-rate personal loan.
How long minimums really take, and what a fixed payment does instead.
What a balance costs per day, month and year, and the payment to clear it.
Stay or move? Fee, promo months and go-to rate, compared on total cost.
Your DTI the way a lender sees it, and how much room you have.
Extra payments and lump sums against the standard 10-year plan.
The same math as files you keep. Excel, Google Sheets, Numbers, and one printable PDF.
Excel and Google Sheets template with a month-by-month schedule.
The snowball version of the template, ordered by balance.
The avalanche version, ordered by interest rate.
Excel and Google Sheets calculator with extra payments and a lump sum.
A one-page PDF to fill in by hand and stick on the fridge.
Plain-language reading for when you want the why, not just the number.
How they fit together.
Start with a calculator to see the plan and the date. Keep it in a template if you like your own files, or in the Debtless app if you would rather it updated itself from the payments you log. The guides explain the choices along the way: which order to pay in, what a minimum payment really does, and how to find the extra that moves the date.
The same plan, kept for you.
Debtless does this math from the payments you log and moves the date every month. Free on iPhone.
One card, one number, one day you hit zero.
Pick the order, see the date move, switch any time.
Answers with your real balances, rates and budget.
Questions, answered.
Your debt‑free date is closer than you think.
Add your debts, pick a strategy, and watch the date move.
Free on the App Store