-50%
Add your debts once and it tells you the month you finish — counting the month your 0% deal ends.
What you getproduct key · 7-page setup guide · two printable pages
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Price in USD. Pay once — updates are free while we offer the app.
Instant download — available the second you pay
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Most debt trackers are a spreadsheet. You make a copy, fill in cells, and hope you do not break a formula. This one opens like an app — in your browser, on your phone, tablet, laptop or desktop — with no spreadsheet, no Google account and no sign-up.
You add your debts once. It tells you three things: which one to pay first, what this month costs you, and the month you finish.
It is also the only one that knows your 0% ends. Tell it the month your intro rate goes back up and the date on the front screen already counts it — which is why its answer is sometimes later than another app’s, and right. Same for a card whose minimum payment falls as the balance does.
Choose snowball, avalanche, or your own order, and switch whenever you like. Log a payment and watch the date move. Add a little extra and see what it saves you in interest, in money rather than percentages.
Two pages are made to be printed, not screenshotted: your payoff plan on one sheet, and a progress chart for the fridge where you colour in a box every time you pay.
Nothing you type leaves your device. There is no login, no account and no connection to your bank — it is stored in your own browser, so we could not see it even if we wanted to. Back it up to a single file whenever you like.
After you pay, a PDF arrives with your link and your product key. Open it, tap the link, type the key once, and add it to your home screen. The guide shows you how on every device. Two minutes.
Miss a month and nothing breaks. There is no streak to lose and no red warning waiting for you. The promise is a date, not a lecture.
No. It opens in your browser and installs on your home screen like an app. Nothing to download, nothing to unzip, no formulas to break.
No. One payment, yours forever, including every future update.
No, and it never will. You type in what you owe. That is the whole point for people who do not want an app sitting inside their bank account.
No — deliberately. Nothing leaves your device, so there is no server to sync through. Use the backup file to move your numbers from one device to another; the guide shows you how.
Because most planners assume your 0% runs for ever and your minimum payment never changes. Neither is true. Tell this one the month your intro rate goes back up and it counts the interest that starts then, and it lowers a percentage-based minimum as the balance falls. The later date is the real one. Planning against the flattering date is how people end up surprised in month fourteen.
A PDF appears on the confirmation page the moment the payment clears, and a copy is emailed to you. Inside it are your app link and your product key. You type the key once, on each device.
If your phone or computer still gets system updates, yes. Open the link in Chrome, Safari or Edge. Once it has loaded once it works with no internet at all, including on a plane.
Yes. One key works on your phone, your tablet and your computer. Each device keeps its own copy, since nothing syncs.
Add it to your home screen — the guide shows how — and download a backup now and then. Both take under a minute. Clearing your browser’s site data erases your entries; clearing history alone normally does not.
Yes. Export a backup file that restores the whole app, or a CSV you can open in a spreadsheet. You can leave with everything, whenever you want.
Message me before anything else. I answer, usually the same day, and most problems take one reply to fix. Digital files cannot be returned once downloaded, but if something does not work as described I will fix it or refund you.
One person. I designed, built and tested the app myself, and I answer the messages myself.
Nothing is posted — this is a digital product. Your download link appears on the confirmation page as soon as Stripe confirms the payment, and a copy is emailed to you. One purchase covers your own household forever, including every future update. Please do not resell or redistribute the files. Because downloads cannot be returned, digital sales are final; if anything does not work as described, write to us and we will fix it or refund you.
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One number that tells you what is actually yours to spend until payday.
product key · setup guide PDF
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