Real balances, real interest charges showing up every month. When I couldn't find a calculator that got the math right without a paywall, I built one, then a budget tool, then a net worth tracker, so the whole picture fit together.
No accounts, no bank connections. Your data stays on your device, except for the optional AI features, which are clearly labeled every time you use them.
Pick where you want to start
Map every debt and build the fastest exit plan, with the exact interest you'll save.
Learn more → BudgetPlan your month before you spend it. Know how much you can throw at debt before it goes elsewhere.
Open Budget → Net WorthTrack everything you own against everything you owe, all in one place.
Open Net Worth →Math verified against Excel NPER and CUMIPMT functions
Built by someone with an MBA paying off debt themselves
No dark patterns. No email required. No data collected.