Free debt payoff tracker
Add each debt you're carrying, credit cards, car loans, your mortgage, and see the fastest payoff order and exactly how much interest you'll save. Compare avalanche and snowball side by side instead of guessing which one wins.
No bank connection. No signup. Your data never leaves your device.
Start your payoff plan →Coming from Mint?
Export your Mint CSV, open Downslope Debt Payoff, and click "Import from Mint." Your accounts load instantly, add current balances and rates, and you have a full payoff plan.
Balance, APR, and minimum payment for each one. Takes about a minute for a typical list.
See avalanche and snowball side by side, with the real dollar difference in your own numbers.
A real payoff month, not a vague estimate, plus what each 0% promo deadline actually costs if missed.
Pay smallest balance first. Quick wins keep you motivated.
Pay highest APR first. Mathematically saves the most interest.
Get warned before a 0% deal expires and turns into a surprise interest bill.
See how many months a raise, refund, or windfall knocks off your payoff date before you spend it.
As each debt clears, that minimum payment rolls forward into your pocket.
Reads your old Mint export directly, no retyping every account by hand.
Highest interest rate first
Usually the cheaper path overall, since less of your money goes to interest. Many people find the early progress feels slow, since the targeted balance isn't always the smallest one.
Smallest balance first
Usually costs a little more overall. Many people find the early wins build momentum that makes the plan easier to stick with.
Neither approach is wrong. Downslope runs both against your actual numbers so you can see the real difference instead of picking blind.
Yes. Adding your debts, comparing avalanche and snowball, and tracking your payoff date costs nothing and doesn't require an account. Pro adds a few extras like what-if scenarios and CSV export, but the core tracker stays free for as long as you use it.
No. You type in your balances, rates, and minimum payments yourself. Nothing connects to your bank, and nothing leaves your device.
Avalanche (highest interest rate first) usually saves more money. Snowball (smallest balance first) usually feels more motivating early on. Downslope shows both side by side so you can see the actual difference in your own numbers, not just the general rule.
Yes. Export your Mint CSV and use the Import from Mint button above, your accounts load in seconds, then you just add current balances and rates.
No bank connections. Your data never leaves your device. Pro unlocks the AI game plan and advanced scenarios.
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.
Install the app
iPhone: Open in Safari, tap the Share button, then tap "Add to Home Screen."
Android: Open in Chrome. Tap "Add to Home Screen" when the banner appears.
Desktop: Look for the install icon in your Chrome address bar.