The best free alternative to a complex debt spreadsheet. Create a clear payoff plan using the Snowball or Avalanche method.
Launch the Free ToolNo signup required. 100% free (up to 5 debts).
Best on a desktop? We can send you a link to use later.
Email Me a Link for Later →Unlike mobile apps that require an account, our tool is 100% anonymous. Your financial data is never sent to a server and always stays securely on your computer.
Use both the Debt Snowball and Debt Avalanche methods for free to find the perfect strategy for your financial situation.
Export your debt plan to a file for backup. Import it on any device. You own your data.
Not sure which payoff method is right for you? Our detailed guide breaks down the pros and cons of each strategy.
Read the Guide →Discover why an automated tool is a more powerful and reliable alternative to a manual debt spreadsheet.
Learn More →Explore powerful financial tools and strategies, like HYSAs and balance transfer cards, to accelerate your journey.
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