With a steady extra payment, the sample household reaches the finish line in 27 months.
Simple. Reliable. Free to start.
Build your debt-free roadmap and earn your way back to breathing room.
No one is coming to fix the numbers for you. Debt Freedom Planner helps you do it yourself with a calm, patriotic step-by-step system that turns balances, rates, and minimum payments into one clear next move.
Start free - no charge for 30 days. $0 today, then $19.95/month if you keep Pro.
1. Create your account
2. List your debts
3. Follow one next step
Sign in before you start so your payoff plan, billing, and progress stay tied to one household account.
Large text, familiar labels, and one obvious next step on every screen keep the planner easy to use.
Pro starts with a 30-day free trial so you can decide only after it proves itself.
Gather every balance once
Cards, truck loans, store accounts, and personal loans all go into one guided list with large, familiar labels.
Compare payoff styles without spreadsheets
Snowball, avalanche, and custom order all update against the same numbers so you can choose the path you will actually follow.
See the next step in plain English
Freedom is not given. It is built one payment at a time, and the planner tells you where that payment goes next.
Illustrative outcome
27 months
A steady household could be debt-free by May 2028
Example household numbers below show how one organized plan can cut through the noise.
Total debt
$17,280
Total interest
$1,814.72
Total monthly payment
$850
Fastest first win
6 months
Outcome comparison
Choose the style you can stick with
Every strategy uses the same debts. The difference is the order and how quickly momentum builds.
27 months to payoff
$1,814.72 interest
Best for motivation
27 months to payoff
$1,814.72 interest
Lowest interest
27 months to payoff
$1,814.72 interest
Custom order
22 months to payoff
$1,471.50 interest
Custom order
The Martins stopped guessing
Example only: one couple used the roadmap to stop spreading extra money across five balances and cut nearly $4,800 in projected interest.
A retired pair got a paper plan
Example only: after years of avoiding finance apps, they finally printed one month-by-month plan they could read at the kitchen table.
"No drama. Just the next step."
Example testimonial style: built to show the tone of the product, not to represent a verified customer endorsement.
Free vs Pro
Start free. Upgrade only if it proves itself.
Built for clarity
- Account-based planner and built-in strategy comparison
- First 18 months of the payoff schedule
- Print view for paper review
Start free - no charge for 30 days
- Saved plans and full schedule access
- Unlimited custom scenarios
- PDF export and Stripe billing portal
Built for reassurance
Especially easy for older users
- Big buttons and strong contrast on desktop and mobile
- Simple words instead of financial jargon
- One clear primary action on every screen
- Paper-friendly print output for households that trust a hard copy
You keep control.
No bank login. No imported noise. Just your numbers, your plan, and the discipline to follow it.
Questions
Common concerns before you begin
No. You enter balances and minimum payments yourself. The planner does not ask for bank credentials.
No. Pro starts with a 30-day free trial. Cancel before day 30 and you will not be charged.
You can list debts, compare strategies, and see a plain-language payoff roadmap. Pro unlocks saving, full schedule paging, and export features.
Pull your numbers together and start free.
Use it. If it helps, keep it. If not, cancel before the 30-day trial ends.