Your Debt Has
an End Date.
Let's Find It.

Put in your debts. Pick a strategy. Get a month-by-month plan showing exactly when you'll be done — no account, no internet, no fluff.

Get it on Google Play iOS — Coming Soon
✓ No signup required ✓ Works 100% offline ✓ Free forever ✓ Your data stays on your phone
How It Works

Three steps.
One clear plan.

Add your debts, pick how you want to attack them, and see the finish line.

Add Your Debts

Enter each creditor — balance, monthly interest rate, and minimum payment. Works with credit cards, personal loans, student loans, and any other debt you want to track.

Choose Your Strategy

Pick Debt Snowball (smallest balance first) or Debt Avalanche (highest rate first). DebtClear runs both so you can see the actual difference in months and dollars.

See Your Payoff Estimate

A month-by-month breakdown: every payment, every balance, the exact month it all ends. Calculated on your phone the moment you enter the last number.

What's Included

Everything you need.
Nothing you don't.

Focused, private, and built to work without Wi-Fi, a login, or a subscription.

Debt-Free Date Estimate

See the estimated month and year you'll make your final payment, based on the balances and budget you enter.

Strategy Comparison

Run both strategies side-by-side. One might save you hundreds in interest. The other might clear a card months earlier. DebtClear shows you the tradeoff.

Month-by-Month Schedule

A full payment calendar showing each creditor's balance shrinking month by month. Pull it up whenever you need a reality check.

Fully Offline & Private

Every calculation happens on your device. Your debt data never leaves your phone — no cloud sync, no servers, no data collection.

No Account Required

Open the app and start entering debts immediately. No email address, no password, no subscription — ever.

Optional Payment Reminders

Set local notifications to remind you when payments are coming up — so you never fall behind on your plan.

Payoff Strategies

Snowball or Avalanche?
DebtClear calculates both.

Both strategies work. Which one is faster — or cheaper — depends on your actual debts. DebtClear runs the numbers so you're not guessing.

Debt Snowball

Start Small. Build Momentum.

Pay minimums on everything, then put every extra dollar toward your smallest balance first. When that's paid off, roll that payment to the next one.

  • Quick early wins keep motivation high
  • Reduces the number of creditors faster
  • Most people stay motivated longer with this one
Debt Avalanche

Attack the Highest Rate First.

Pay minimums everywhere, then put everything extra toward the highest-rate debt first. Mathematically, it's the cheapest way out.

  • Minimizes total estimated interest paid
  • Fastest payoff timeline mathematically
  • Works best when you can stay the course without quick wins
Not sure which to choose?
Enter your debts once. DebtClear runs both strategies and shows you the difference.
Compare Both Free →

Start your plan today.
It's free.

Download DebtClear and have a real payoff plan in under five minutes. No internet required. Your data stays on your phone.

Download on Google Play iOS — Coming Soon

Available on Android. iOS version in development.

Important Notice

DebtClear is a personal finance calculation tool, not a financial institution. It is not a bank, lender, credit counselor, debt settlement service, or financial advisor. DebtClear does not offer loans, credit products, or debt relief services of any kind.

All payoff timelines, interest figures, and debt-free dates displayed in the app are mathematical estimates based solely on the information you enter. They assume consistent payments at a fixed rate with no changes to your financial situation. Actual results will vary. This tool is provided for informational and personal planning purposes only and does not constitute financial, legal, or tax advice.

For guidance on managing debt, consult a qualified and licensed financial professional. If you are experiencing financial hardship, contact a certified nonprofit credit counseling agency in your area.