Your Money In Order

For people who pay every month and still can't see the end.

See the month you could be debt-free.

Enter your debts and monthly numbers to see your estimated payoff month, which debt to focus on, and what an extra payment could change.

Your estimated debt-free month on screen, or your money back.

See My Debt-Free Month: $14.95

One-time payment · No bank login · No account · Works offline

The Debt Freedom Route dashboard showing total debt, required minimums and debt progress
The real Debt Freedom Route dashboard, filled with example numbers.
  • 4 routescompared side by side
  • 0 bank loginsneeded
  • 3,000+checks on every payoff figure

What you really want

Build your debt payoff plan today, around your real monthly numbers.

You're not ignoring your debt. You pay it, on time, every month.

But the balances barely move. And one question keeps coming back:

When does this actually end?

Say you owe $6,000 at 24% APR. Interest adds $120. You pay $180. $100 of shopping goes on the card.

You paid $180, and the balance went up to $6,040.

Nothing is wrong with you. It's math nobody showed you.

Your route in 4 steps

  1. Add your debts. Balances, rates, minimums and due dates.
  2. Find your realistic extra. What your month may have left after essentials and irregular costs. You choose the amount.
  3. Compare your routes. Minimums only, snowball, avalanche or your own order, side by side.
  4. Check it's really moving. Your statement numbers show whether your debt is actually falling.
The Payoff Strategy screen comparing Minimums only, Debt Snowball and Debt Avalanche, each with an estimated payoff month
Step 3 on the real screen: each route with its estimated payoff month. Example numbers.

Why I built this

I earned well and still had three maxed-out cards and a loan, about $20,000.

What changed was seeing a route instead of a pile of balances. I paid it off over about three years, one month at a time.

Your numbers and timeline will be your own. But you deserve to see your route too.

Sabrina, Your Money In Order

What you get for $14.95

  • Your Debt Dashboard. Your estimated debt-free month and the next debt to focus on.
  • Your Monthly Debt Plan. A realistic extra payment, worked out from your own income and costs.
  • Route Comparison and What If. See what an extra $50 or $100 changes, in months and interest.
  • Debt Movement. The honest check that new spending isn't quietly replacing your progress.
  • Instant download. One private file on your own computer. Best on a desktop or laptop.

Also inside

  • Plan Protection and Milestones (for when spreadsheets never stuck). Check-ins you choose, and milestones along the way.
  • Payments and Due Dates (so nothing sneaks up on you). Every due date, and a file for your own calendar.

Price?

$14.95, once.

Subscription?

No.

Guarantee?

Your estimated debt-free month on screen, or your money back. Enter your debts and monthly numbers. If Debt Freedom Route doesn't show your estimated debt-free month and the next debt to focus on, reply to your receipt email within 72 hours for a full refund. Keep the file.

See My Debt-Free Month: $14.95

Your estimated debt-free month on screen, or your money back.

Debt Freedom Route is a planning and tracking tool. Payoff dates and interest are estimates based on the numbers you enter. It doesn't make payments, contact lenders or give financial advice. If you can't cover essentials or your minimum payments right now, please talk to a nonprofit credit counselor first.