Your debt.
Down to zero.
Get your exact, personalized, month-by-month payoff roadmap — with a statistically honest debt-free date range no other tool offers.
No account required. No bank linking. Free forever for the core plan.
Behavioral insight card
Your $340/month in food delivery is pushing your debt-free date back by 14 months and costing you $2,100 in extra interest. Cutting it in half moves your median date to February 2029.
Sample output. Your card will be tailored to your debts, income, and spending.
Three things no competitor delivers together
We built Nulvify because Mint tracks the past, calculators give generic advice, and financial advisors are $400/hour. You deserve better.
Personalized payoff sequence
Avalanche, snowball, and a hybrid optimizer — we run all three and pick the best for your specific debt profile, then explain why in plain language.
Honest confidence range
A single debt-free date is a lie for anyone with variable income. We run 750 Monte Carlo simulations to show your 80% confidence range — no false precision.
Behavioral insight card
One quantified, screenshot-worthy sentence: exactly how much your top spending category is costing you in months of debt freedom.
Built for the rest of us.
Most debt tools assume a fixed monthly income. The 36% of North American workers with variable income — gig workers, students, freelancers, hourly staff — get a math model that doesn't fit their lives.
Nulvify's Monte Carlo engine is purpose-built for income that fluctuates. You tell us your typical month and your worst month. We model both.
- No bank linking. Manual entry only. Your data stays in your browser unless you choose to save it.
- No upsell wall. The full plan, the Monte Carlo range, and the behavioral insight are free forever.
- Built for sharing. One-click share link with a preview card that renders beautifully on Reddit, Twitter, and iMessage.
- Mobile-first. Designed for the phone you actually use, not a desktop spreadsheet.
Your debt-free date is closer than you think.
Three minutes of input. A roadmap that adapts to your real life.
Get my free plan