DelDebt

debt payoff planner

๐ŸŽฏ

Add your first debt to see the date

you become debt-free.

or poke around with an example:

How it works, FAQ

How it works

  1. Enter your debts: name, balance, APR and minimum payment โ€” credit cards, loans, medical bills, money owed to friends.
  2. Add what you can pay on top of the minimums โ€” even $20 counts.
  3. Get a payoff schedule by the snowball or avalanche method: your debt-free date, total interest and the savings from paying extra.
  4. Log your payments โ€” progress bars and a month streak keep you motivated until the last debt is closed.

Snowball or avalanche?

Snowball pays off the smallest balance first: quick wins come early, so more people actually finish the plan. Avalanche targets the highest APR first and always saves the most money. DelDebt computes both on your numbers โ€” plus the blizzard, cash-flow and custom orders โ€” and shows exactly what the difference costs.

FAQ

Is snowball or avalanche better?
Avalanche (highest APR first) always saves the most interest mathematically. Snowball (smallest balance first) gives quicker wins, so more people stick with it. DelDebt computes both on your numbers and shows the difference in dollars โ€” pick what fits your character.
Where does my debt data go?
Your plan is stored on your device. If you export a payment calendar, the information needed for it is sent securely to our server to generate the file. We never sell your data.
Is this a loan, refinancing or debt settlement?
No. DelDebt doesn't lend or settle anything โ€” it's a calculator and planner: you enter your debts, and it builds a payoff schedule, shows total interest and the date you become debt-free.
Is it really free?
Yes โ€” free, no signup, no ads.
What if I can only afford the minimum payments?
Start with an honest picture: enter all your debts and look at the schedule with zero extra. Then the calculator shows how even $20โ€“50 extra a month moves your debt-free date and cuts interest โ€” a strong motivator to find that money.

DelDebt is a calculator and planner, not financial advice. Decisions about your credit are yours; for delinquencies and disputes consult a professional. The service is operated by an independent developer.