Know exactly when you'll be debt-free — down to the month.
A real interactive app, not a spreadsheet or printable. One-time purchase, no subscription. No bank connection, no account, nothing to install — your numbers stay private on your own device.
Add your debts, choose Snowball or Avalanche, and add any extra you can pay. Instantly see your debt-free date, your total interest, and how much you'll save vs paying minimums — plus the exact order to attack each debt, with progress bars that fill as you go. Compare both methods side by side and pick the one you'll stick with.
Snowball & Avalanche, side by side
Your exact debt-free date and interest saved
Works on your phone — open the link, add to home screen
Yours for life, free updates
Made by Klarity Labs — questions? We reply personally
Your data stays on your device. Personal-finance tool, not financial advice.
