Your Clear Path to Debt Freedom Starts Here
Visualize your debt free timeline, build a budget that works *for you*, and discover smart strategies to accelerate your journey to financial freedom.
Try it yourself
You'd be debt-free in
62 months
That's around October 2031.
Assumes an 18% APR. Log in to model your real debts and strategy.
See Your Debt-Free Future
DebtWise started as a spreadsheet that paid off $50,000 in debt. Every feature below is still just that spreadsheet's math, done for you.
Budget Overview
Income − Expenses = What's Left for Debt
See exactly where your money goes each month, and find the extra dollars you can put toward debt.
Debt Payoff Timeline
Minimum Payments + Strategy = Your Debt-Free Date
Choose Snowball or Avalanche and watch your payoff date move in real time as you build your plan.
What-If Scenarios
+ $50/mo = 18 fewer months in debt
Drag the slider to see how an extra payment shortens your timeline. Test it on your own debts before you make the payment.
Example: a 18% APR, $8,000 balance with a $200/mo minimum payment.
Payoff Schedule
Balance − Payment = Next Month's Balance
A month-by-month schedule of exactly what to pay and when, so there's never any guesswork.
Get Debt-Free in 3 Simple Steps
Take control of your finances and accelerate your journey out of debt with DebtWise. Here's how easy it is:
Build Your Budget
See where your money goes and feel confident about what you can put toward debt.
Enter Your Debts
Get clarity by viewing all your balances in one place—no more guesswork.
Track Your Progress
Stay motivated as your debt shrinks and your freedom grows.
Choose Your Path to Debt Freedom
Download our free spreadsheet tracker to get started, or unlock the full power of the DebtWise web app for automated tracking and advanced features.
DebtWise
Automate your debt elimination plan. Get advanced tracking, visualizations, 'what-if' scenarios, and expert strategies—all in one seamless platform.
DebtWise Starter Spreadsheet
Kickstart your debt payoff journey with our comprehensive spreadsheet. Manually track your debts, calculate payoff timelines, and build a basic budget.