Juggling several debts — cards, loans, buy-now-pay-later — and don't know which to attack first or when you'll actually be free?

List your debts (balance, interest rate, minimum payment) and what you can put toward them each month, and get a clear, math-backed payoff plan with a real debt-free date.

It runs the two proven strategies and shows you BOTH so you choose: the avalanche (highest interest rate first — mathematically cheapest, least total interest) and the snowball (smallest balance first — slower on paper but the quick wins keep many people motivated enough to finish).

It computes the actual numbers — payoff order, month-by-month timeline, total interest paid, and how much sooner you're done — and shows the difference, including how much a few extra dollars a month changes the date so you can see the payoff of paying more.

It always covers the non-negotiables: pay at least every minimum (missing them means fees and credit damage), and don't let the math seduce you into skipping a starter emergency fund, because no buffer is how people fall back into debt the moment something breaks.

Crucially it's honest and bounded: it does NOT give regulated financial, tax, or legal advice, recommend specific lenders, or push consolidation/balance-transfer/refinance products — it can explain how those generally work and the trade-offs (fees, teaser rates that expire, resetting the clock, secured vs unsecured) and tell you to read the real terms.

It treats high-cost debt seriously and, for genuinely unmanageable debt, points you to a non-profit/accredited credit counselor rather than pretending a spreadsheet fixes everything.

The math is only as good as your numbers, so it tells you to verify rates and minimums on your statements and confirm anything important with a qualified professional.

From a pile of scary balances to a plan with a finish line you can see.