Your roadmap to
becoming debt-free
Free calculators, honest app reviews, and proven strategies. No judgment, no jargon — just the tools you need to pay off debt on your terms.
Everything you need in one place
Whether you're just starting or refining your plan, we've got tools and guides for every stage.
Calculators
See your debt-free date, compare strategies, and find how much you can save.
Apps & Tools
Compare the best debt payoff apps — free and paid — for iOS, Android, and web.
Strategies
Snowball, avalanche, and beyond. Find the payoff strategy that fits your life.
Basics
Understand APR, minimum payments, DTI, and other key concepts — no jargon.
Comparisons
Side-by-side guides to help you pick the right approach for your situation.
Free debt payoff calculators
Enter your debts, pick a strategy, and see your debt-free date in seconds.
Three steps to a plan that works
You don't need to have it all figured out. Start here and take it one step at a time.
See where you stand
Enter your debts into our free calculators and get a clear picture of your timeline.
Pick a strategy
Compare snowball, avalanche, and other methods to find what fits your life and goals.
Track your progress
Use a spreadsheet or app to stay on track. Every payment brings you closer to debt-free.
Want to automate your payoff plan?
Ascent tracks your debt, runs the math, and keeps you on pace — with partner sync, 9 payoff strategies, and BNPL tracking built in.