Everything you need to see —
and beat — your debt.
Nulvify turns a pile of balances into one specific, believable date — and gives you the tools to pull that date closer, every month.
A thousand futures, one honest date.
Every projection runs a Monte-Carlo simulation across 1,000 possible paths — not a single optimistic line. You get the median month you’ll be debt-free, plus an 80% confidence range, so the date is a distribution you can trust, not a guess.
Steady, variable, or gig — the line bends with you.
Most calculators assume you earn the same every month. Real life doesn’t. Nulvify models steady, variable and gig income, and shows the honest “drift” line for the months you pay less — because a plan you can actually keep beats a prettier one you won’t.
An AI coach that knows your numbers.
Ask anything — “should I refinance?”, “what if I add $80 a month?” — and get a clear answer grounded in your actual plan. Paired with weekly check-ins and streaks, it turns a forecast into momentum you keep.
Small tools that keep the date moving.
Drag a slider and watch your debt-free date move in real time — a raise, a windfall, a rough month.
The engine orders your payoffs for the least interest or the fastest first win — your call.
Share one plan with a partner, split the work, and watch the same date together.
See exactly how much interest you avoid versus paying the minimum. The number is the motivation.
Your numbers are yours. Never sold, never an ad, never a data broker in the middle.
A short digest and check-in reminder — enough to stay on track, never enough to nag.
See your date in three minutes.
No card. Your real numbers. The meter is still running.