At a glance
Next one gone
What to send this month
Next 30 days
Latest milestone
On track?
Today — just the next step
One thing at a time. That is enough.
Streak
A gentle nudge
My debts
Payoff plan
Payoff order
Custom order: use the up / down buttons. Debts you do not place are added automatically, smallest balance first.
Month-by-month schedule
After your last debt
What-If Lab
A tight month — what skipping costs
See what happens if you skip one month of payments, before anything changes.
Pick the finish line
Balance-transfer check
Payment log
Interest posts (match your bill)
If your lender charged a different interest amount than the plan estimates, record it here so the plan matches your bill.
Calendar
Add due dates to your calendar
One tap opens a ready-filled calendar event. The app cannot send reminders by itself — your calendar can.
Reports
Balance over time — your plan vs minimums only
What you owe, by debt
Interest per month (first 12 months of your plan)
Interest by debt (your plan)
Milestones
Small wins count. Every payment moves you forward.
Streak
My celebration promise
Write what you will do when you are debt-free. It is yours to keep.
Settings
Appearance
Language & region
Detected timezone: — set automatically from your device. Currency only changes how amounts look, never their value.
Sections shown
Data tools
Tip: export a backup regularly. If you clear this browser's data, your plan goes with it — your backup brings it back.
How to use this app
The Digital Goal
Thank you for choosing this app. It was made to help you see your way out of debt — one payment at a time.
Need help? Message the shop on Etsy with the issue, your device and browser, and a screenshot if you can. Please do not send your private backup file unless support asks for it.
Your data lives only in this browser on this device. There is no account and no cloud sync. This app is a planning tool, not financial advice.