Free Debt Payoff Planner

See exactly when
you'll be debt-free.

Build a personalized snowball or avalanche plan, track every payment, and watch your payoff date move closer.

Calculate My Debt-Free Date Create a Free Account

Free to use No credit card required No bank login required

Undebt.it debt payoff dashboard in easy mode, shown on a laptop

Undebt.it debt account details shown on a phone

100,000sof people helped

Billionsin debt paid down

Since 2012100% privately owned & operated

A clear plan in three simple steps

Add your debts

Enter your balances, interest rates, and minimum payments.

Choose your strategy

Pick snowball or avalanche and add any extra payment.

Track your progress

See your payoff date, track payments, and watch your plan update.

Everything you need to stay on track

Track it, don't just plan it

Log payments as you go and your balances, due dates, and debt-free date update automatically.

Switch strategies anytime

Start with the snowball, flip to the avalanche, or build your own custom plan. Compare without re-entering a thing.

Speed it up with Debt Snowflakes

Add one-off extra payments whenever money frees up and watch your date move closer.

No app. No signup to try it.

Works in your browser on any device. You enter your numbers yourself, and the calculator doesn't even need an account.

Learn more about Undebt.it and its payoff methods

Undebt.it is a free, mobile device friendly debt payoff planner and tracker. Build an easy-to-follow payment plan with the debt snowball calculator, record your payments as you go, and watch your debt free date get closer; so you can finally eliminate your debt and do the things you really want to do, like travel or retire early. For over 14 years, Undebt.it has helped hundreds of thousands of people all over the world pay down billions of dollars in debt.

Undebt.it has 8 different accelerated debt payoff methods to choose from (including your own custom plan). The two most popular plans are paying down the debts with the lowest balance first (aka the "Debt Snowball") and paying down accounts with the highest interest rate first (aka the "Debt Avalanche"). Choose which one works best for you and easily switch between them at any time. Just plug in your budget & basic debt account information and Undebt.it will take care of the rest.

Undebt.it makes it easy to see when each of your debts will be paid off - and proves how effective the debt snowball payment method really is. You can even add additional one-off payments (aka "Debt Snowflakes") to your snowball to speed up the process! As you record your payments, your debt balances, due dates and payoff dates will automatically be adjusted.

Create a one-off payment plan and see how snowball and avalanche stack up against each other.

These Are The Accelerated Debt Payoff Plans You Can Use With Undebt.it

Debt Snowball
Debt Avalanche (Stacking)
Debt Hybrid (Debt-to-Interest Ratio)
Cash Flow Index (CFI)
Highest Monthly Payment
Highest Credit Utilization
Highest Monthly Interest Paid
Your Own Custom Plan

Try the Debt Snowball Calculator Now Compare Debt Snowball vs. Debt Avalanche

See How Undebt.it Works — take the tour, check out the website features, and see the screenshots.

See Undebt.it in Action

See How Undebt.it Works

Helping real people make real progress

I just have to say THANK YOU for this amazing site. It is beautiful and very intuitive to use, and after my bank's app it is probably the website I use most in our debt-free journey. Great, incredible, amazing work. Thank you!

— Danielle R.

I just want to tell you this is the best money management site ever, I have done all of them YNAB, mvelopes, quicken, Dave Ramsey. Yours is the easiest to understand, and work with. GREAT JOB!

— Joy B.

LOVE the new format......thanks for helping others to be debt free!!!

— Dianna C.

I really enjoy seeing a succinct history of my bills and my debt history since it makes it easy to keep track of what has been paid as well as a great motivator on how far I have come

— Matthew C.

Try the Free Debt Snowball Calculator

(no account or sign up required)

Create a one-off debt payment plan using either the Debt Snowball or the Debt Avalanche and see how they stack up against each other.

Just plug in your budget & basic debt info and you'll get a complete payment plan and a debt free date. You can see how adjusting your budget amount will affect your debt free date in real time. There's no account required to use the calculator, but you'll have the option to create one after your plan is calculated if you like.

Try the Debt Snowball Calculator Now Compare Debt Snowball vs. Debt Avalanche

Undebt.it+ What-If Scenarios: a $500 one-time payment and $250 more per month makes this plan debt-free 6 months sooner

Go further with Undebt.it+

Explore Undebt.it+

If you really want to get in control of your debt, you've come to the right place. Undebt.it+ adds the advanced debt management tools you'll only find here on this site. The images below are a few examples of the exclusive Payoff Snapshots that update automatically with your current stats.