Know exactly when you'll be debt-free — down to the month. Debt feels endless when you don't know when it ends. "March 2028" is something you can work toward — "someday" isn't. This app gives you that date in under 2 minutes. 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 💚 30-Day "It Works or It's Free" Guarantee Use it for a full month. If it doesn't make your debt easier to manage, email me and I'll refund you — no forms, no hoops, no hard feelings. You're taking zero risk. Frequently asked questions Is this really a one-time payment?Yes. You pay $27 once and it's yours for life, including free future updates. No subscription, no hidden fees. Does it work on my phone?Yes — it opens in any web browser. Add it to your home screen and it works like a native app. Do I need to connect my bank account?Never. You type your own numbers. Your data stays 100% private, on your own device. Snowball or avalanche — which one should I pick?The app shows you both side by side, with the real numbers, so you can choose the one you'll actually stick with. What if it's not for me?Email me within 30 days and I'll refund you. You'll reach me directly — I reply personally. ⚡ Instant access — you'll get your link in seconds. Nothing is shipped. Your data stays on your device. Personal-finance tool, not financial advice.
