Get a Personalized Plan to Pay Off Your Debts Faster.
Compare Snowball and Avalanche, choose the strategy that works for you, track your payments, and know when you’ll be debt-free.
- Snowball & Avalanche
- Payment tracking
- Projected debt-free date
- Total interest calculation
Does This Sound Familiar?
“I have multiple debts, but I don’t know which one to pay off first.”
“Keeping track of all my debts feels overwhelming.”
“I’m using a spreadsheet to plan my debt payoff, but the formulas are getting too complicated.”
“I don’t know when I’ll be debt-free, or how my payments affect the timeline.”
“I’m making big payments, but my debt barely seems to go down.”
“My payments change, so my debt payoff plan quickly becomes outdated.”
You don’t need another complicated spreadsheet or budgeting system. Out Of DEBT turns multiple debts into a clear path to debt-free.
Your Key to a Smarter Debt-Free Journey
Less Overwhelm
Turn your pile of debts into a simple step-by-step plan you can follow with confidence.
More Control
Stay on top of your debts and know exactly where you stand throughout your journey.
Fast Progress
See your debt shrink with every payment and keep moving closer to debt-free.
How It Works
Add Your Debts
Enter the details of your debts to build your personalized payoff plan.
Set Your Monthly Payment
Choose how much you can put toward your debt—or let Out Of DEBT help you find the right amount.
Choose Your Strategy
Easily compare Snowball vs. Avalanche and choose the approach that fits you.
Follow Your Plan
Follow your personalized payoff plan and watch your progress toward debt-free.
Everything You Need to Get Out of Debt
Debt Organization
Keep all your debts in one place with the balances, APRs, minimum payments, due dates, and payoff details you need.
- Balances
- APRs
- Minimum payments
- Due dates
Strategy Comparison
Easily compare Snowball and Avalanche to see the difference in payoff time, total interest, and payoff order.
- Payoff time
- Total interest
- Payoff order
Flexible Debt Payoff Plan
Record your payments or add new debts, and your payoff plan and projected debt-free date automatically adjust as your situation changes.
- Payment strategy
- Multiple payments
- Plan updates
Payoff Visualization
Follow your payoff journey with a detailed payment schedule, debt progress, and a projected debt-free date.
- Payment schedule
- Debt progress
- Debt-free date
One Plan. Everything You Need to Get Out of Debt
One-Time Payment
7-Day Money-Back Guarantee
Future Updates Included
Your complete debt payoff planner, from your first debt entry to your projected debt-free date.
Everything included
- All your debts organized in one place
- Personalized Snowball or Avalanche repayment plan
- Help finding the right monthly payment
- Log the payments you actually make
- Plan updates as payments and balances change
- Detailed payment schedule and debt progress
- Projected debt-free date
Frequently Asked Questions
Answers to common questions about planning your debt payoff with Out Of DEBT.
Out Of DEBT is an interactive debt payoff planner that helps you turn multiple debts into a clear repayment plan. Add your debts, set your payment amount, and choose between Snowball or Avalanche. Out Of DEBT then shows you how to allocate your payments, which debts to prioritize, and when you’re projected to be debt-free.
Snowball focuses on your smallest balance first, then rolls that payment into the next debt, giving you quick wins that build momentum. Avalanche focuses on the debt with the highest APR first, which generally reduces the total interest you pay. Out Of DEBT lets you compare both by payoff time, total interest, and payoff order, so you can choose the approach that fits you.
Yes. Out Of DEBT is built for people with multiple debts. You can keep them all in one place, with the balances, APRs, minimum payments, and due dates for each.
Yes. You can set a monthly payment that fits your situation and change it when your situation changes, and your plan and timeline adjust with it. If you’re not sure how much to pay, Out Of DEBT can help you find the right amount.
Yes. You can record the payments you’ve actually made. Out Of DEBT updates your debt balances and recalculates your remaining payoff plan based on your latest payments.
Your plan adapts. When your payments or balances change, Out Of DEBT keeps your payoff plan up to date, so it doesn’t go stale the way a static spreadsheet does.
Yes. You’ll see a projected debt-free date, along with a detailed payment schedule and your debt progress over time.
No. Out Of DEBT works without connecting your bank account. Simply enter your debt information and payments manually, and your payoff plan updates based on the information you provide.