A free debt payoff planner that shows the way out
Put in each card, loan and bill you owe. Debt Free lays them out as one mountain range, works out the order to pay them, and shows the month you’ll be free. Every payment moves you up the trail.
Start free · Free, no card needed
How it works
- Add what you owe, with the rate and minimum payment
- Choose how much goes to debt each month, and the order
- Log each payment and watch the climb
What you get
- Snowball or avalanche, side by side. See both dates and the interest each one costs, then pick the order that suits you.
- What an extra amount changes. Slide the monthly amount and watch the date move. Even a little more makes a difference.
- A consolidation loan checker. Put in a loan offer and see, with your own numbers, if it would save money or cost more.
- Payments on your Today list. Each payment can sit on Today and count toward your streak, with a reminder the day before it’s due.
Free guides
- Debt snowball vs avalanche: which is right for you
Both methods pay every minimum and send the extra to one debt at a time. Snowball starts with the smallest balance, avalanche with the highest rate. Here is a worked example with real numbers, and how to choose.
- How to pay off credit card debt, step by step
Credit card debt grows quietly because the interest is high and the minimum payment is small. Here are seven steps that work, from stopping new spending to choosing an order and making the extra money count.
- Debt consolidation loans: when they help and when they don’t
A consolidation loan pays off several high-rate debts with one lower-rate loan. For some people it cuts the monthly cost in half and brings a real end date. For others it costs more. Here is how to tell, with a real example.
Questions
- Is Debt Free free?
- Yes. Debt Free is free, with no card needed. Goal Inspire itself is free too.
- What is the difference between snowball and avalanche?
- Snowball pays the smallest debt first for quick wins. Avalanche pays the highest rate first, which costs the least overall. Debt Free shows both so you can choose.
- Do I need to connect my bank?
- No. You type in your balances and payments yourself, so nothing is linked to your bank.
- Is this financial advice?
- No. Debt Free gives general information to help you plan. For advice on your own situation, a free non-profit credit counsellor can help.
- Do I need to download anything?
- No. It works in the browser on your phone, tablet or computer. You can add Goal Inspire to your home screen so it opens like any other app.