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 more than 3 debts, exports, or cloud backup.
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
- ✓Snowball or avalanche payoff plan
- ✓Payoff timeline and debt-free countdown
- ✓Payment reminders
Pro
Everything in Free, plus:
- ✓Unlimited debts (free stops at 3)
- ✓Snowball vs avalanche scored side by side on your balances
- ✓Every month of the payoff schedule
- ✓Debt-free-date goal and windfall planner
- ✓Export to PDF, CSV and your calendar
- ✓Cloud backup across devices
DebtClear app questions
Is DebtClear free?
Yes. DebtClear is free to start with up to 3 debts, a snowball or avalanche payoff plan, the payoff timeline, and payment reminders. Pro adds unlimited debts, the side-by-side strategy comparison, the full month-by-month schedule, exports, and cloud backup.
Is DebtClear available on Android?
Yes. DebtClear is on Google Play and free to download. An iOS version is not available yet — use the free web planner on debtclear.app in the meantime.
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?
Install the free Android app and upgrade inside it: $29.99/yr or $4.99/mo, billed by Google Play in your currency and cancellable in Play. Payment reminders stay free either way.
Download DebtClear and start your payoff plan today
Get the Android app to see your timeline, track payments, and build momentum toward zero. On an iPhone? There is no iOS app yet — plan it free in your browser instead.