The free debt tracking app, not a spreadsheet.
Add every debt. See your debt-free date in real time. No subscription, no account, no email gate. Real interactive app, not a static spreadsheet. Open it in any browser and start tracking in 60 seconds.
What's in each version?
Both versions are real interactive HTML apps. The Lite version covers the core mechanic. The Pro version adds everything you need to run your whole debt life.
| Feature | Lite (Free) | Pro ($14.86) |
|---|---|---|
| Debt list (unlimited debts) | ✓ | ✓ |
| Debt-free date estimate | ✓ | ✓ |
| CSV export of your debt list | ✓ | ✓ |
| Light + dark mode | ✓ | ✓ |
| Print or save as PDF | ✓ | ✓ |
| JSON backup + restore | ✓ | ✓ |
| Privacy-first (no account, your device only) | ✓ | ✓ |
| Strategy comparison (Snowball vs Avalanche, $ saved) | · | ✓ |
| Payment log (track every payment, history) | · | ✓ |
| Payoff projection chart (month-by-month) | · | ✓ |
| Milestones (10%, 25%, 50%, 75%, 90%, paid!) | · | ✓ |
| 12-chapter built-in video tutorial | · | ✓ |
| Confetti when you kill a debt | · | ✓ |
| 📲 Add to Home Screen on iPhone | ✓ | ✓ |
| Free updates forever | ✓ | ✓ |
Because we don't think the basics should cost a monthly subscription.
Debt payoff math is well-known. The Snowball method. The Avalanche method. Both have spreadsheet versions everywhere. What's missing: a real interactive app that doesn't want your email, doesn't live in the cloud, and doesn't charge a monthly subscription to tell you what a calculator could.
So we built Debt Payoff Planner Lite. Free. Track your debts. See your debt-free date.
The Pro version exists for people who want side-by-side Snowball vs Avalanche comparison (dollar savings shown), a full payment log, milestone celebrations, payoff projections, and the 12-chapter video tutorial. That's optional.
Your debt list lives on your device. We don't want to see it. We don't need to see it. That's the whole point.
Try it in 30 seconds.
No download required. Open in your browser. Your data saves automatically to your device.
Open Debt Payoff Planner Lite →Other free Lite apps
Every paid app has a Lite version. Same core mechanic, fewer features, fully free, forever. Pick the one that fits your life.