↘ Downslope

Send your debt downhill. Record payments, run what-ifs, and watch the interest you save add up.
Updates Contact
Interest saved so far
$0.00
from extra payments & early payoff
Total remaining
$0.00
0% paid off
Debt-free date
—
add a debt to project

Your debts

Check off a payment each month. Add extra to pay down faster.

Payoff strategy

Where should your spare dollars go?
$200
Uses Claude to write a plain-English plan from your numbers. Your debt data is sent to Anthropic to generate this — no data is stored on our servers.

The picture

Total balance over time, and where every dollar goes.

Total balance over time

Principal vs. interest (current plan)

What-if scenarios

Model a raise, a windfall, or a bonus. See the exact months and interest saved.

Monthly cash flow

As each debt clears, that minimum payment rolls forward into your pocket.
Explain the math ↗ Why I built this ↗
All calculations run entirely in your browser — no debt data is sent anywhere except when you use the AI game plan button, which sends an anonymized summary of your balances and rates to Anthropic to generate a response. No data is stored on our servers. Your debt data is saved in your browser's local storage — do not clear your browser cache or you will lose your data. To avoid data loss, use the Export CSV button to back up your debts. Monthly interest = balance × (APR ÷ 12) for monthly compounding; daily and semiannual (Canadian) compounding are converted to an equivalent monthly rate. A debt marked 0% — no accruing interest accrues zero interest, so every dollar goes to principal. This is a planning tool, not financial advice.

Add a debt

Minimal input — Debt Tracker builds the schedule from here.

0% — no accruing interest · for promo financing & interest-free debts
↘

Downslope Pro

A one-time unlock. The interest you save pays for it many times over.

⚡
What-if scenario modeler
See exactly what a raise, tax refund, or lump sum does to your payoff date and total interest — before you commit.
📊
Monthly cash-flow milestones
See the month each debt clears and how much minimum payment it frees. A clear picture of the finish line.
✎
Editable month-by-month schedule
Override extra payments or APR for any future month — windfalls, rate changes, promo expirations.
📅
Promo APR expiration tracking
Set the date your 0% deal ends and get a warning before deferred interest kicks in.
🖨
Printable report
One click generates a clean, print-ready summary of every debt, your strategy, and your payoff timeline.
⇄
CSV import & export
Bring debts in from a spreadsheet and back them up any time.
🤖
AI payoff game plan
Claude reads your numbers and writes a plain-English strategy personalised to your situation.
FeatureFreePro
Unlimited debt tracking✓✓
Record payments & payoff dates✓✓
Avalanche vs. snowball comparison✓✓
Balance & interest charts✓✓
Interest savings calculations✓✓
Payment schedule (view)✓✓
What-if scenario modeler—✓
Monthly cash-flow milestones—✓
Edit schedule month-by-month—✓
Promo APR expiration tracking—✓
Printable report—✓
CSV import & export—✓
AI payoff game plan—✓

Price shown is a guide; the Store charges the price you set in Partner Center, in the customer's local currency. Planning tool, not financial advice.