The Cleanest Debt Payoff App. Free to Start.
DebtClear helps you organize every balance, compare snowball and avalanche payoff plans, and follow a simple timeline to zero. Start free, then upgrade when you need unlimited debts, reminders, and cloud sync.
Debt-Free Countdown
Avalanche plan
Credit Card
Next target
$7,850
Auto Loan
Minimum
$6,240
Student Loan
Minimum
$4,330
Everything a debt payoff app should make easy
Built for people who want a clear plan, fast updates, and fewer spreadsheets.
Snowball & Avalanche Calculator
Compare motivation-first and interest-saving debt payoff strategies before you commit.
Visual Payoff Timeline
See every balance, payoff month, and interest-saving milestone in one clean debt payoff app.
Payment Reminders
Stay current with reminders that help you avoid late fees and keep your payoff plan moving.
Cloud Backup (Pro)
Keep your debt plan synced and backed up when you upgrade to DebtClear Pro.
Debt-Free Countdown
Watch your debt-free date move closer as you record payments and add extra payoff money.
Celebration Milestones
Mark paid-off accounts, balance drops, and every win on the way to zero.
How it works
Three steps from scattered balances to a focused plan.
Add your debts
Enter balances, APRs, minimum payments, and due dates for cards, loans, and other debts.
Choose your strategy
Use snowball for quick wins or avalanche to target the highest-interest debt first.
Track to zero
Log payments, follow your timeline, and keep your debt-free countdown up to date.
Simple pricing
Start with the free debt payoff app, upgrade when your plan grows.
Free
- ✓Up to 3 debts
- ✓Core calculator
- ✓Payoff timeline
Pro
- ✓Unlimited debts
- ✓All features
- ✓Cloud sync
- ✓Reminders
DebtClear app questions
Is DebtClear free?
Yes. DebtClear is free to start with up to 3 debts, the core payoff calculator, and a visual payoff timeline. Pro unlocks unlimited debts, cloud sync, and reminders.
Is DebtClear available on iOS and Android?
Yes. DebtClear has download links for the App Store and Google Play so you can track your payoff plan on iOS or Android.
How does snowball vs avalanche work?
The snowball method pays the smallest balance first for faster motivation. The avalanche method pays the highest APR first to reduce total interest. DebtClear lets you compare both.
Is my data private?
DebtClear is designed for private debt tracking. Your payoff details stay focused on your plan, and Pro cloud backup is built for syncing your own data across devices.
How do I upgrade?
Upgrade inside the DebtClear app when you want Pro features like unlimited debts, all features, cloud sync, and payment reminders.
Download DebtClear and start your payoff plan today
Use the best debt payoff app for Android and iOS to see your timeline, track payments, and build momentum toward zero.