How it works

From “I owe” to a date on the calendar.

No spreadsheets, no jargon, no bank login. Three minutes, your real numbers, and the exact month your debt hits zero.

1
Tell us what you owe.
≈ 90 seconds
Add your cards and loans — balance, rate, and minimum — or start with a single number if that’s all you have today. No bank login required, no statements to dig up.
2
We simulate a thousand futures.
1,000 paths · instant
Our engine runs a Monte-Carlo forecast across 1,000 possible paths, accounting for how your income actually behaves month to month — steady, variable, or gig.
3
Meet your debt-free date.
A date you can circle
You get one specific month — the median of all those futures — plus an 80% confidence range and the total interest you’ll avoid versus paying the minimum.
4
Stay on track until it arrives.
Auto-pay beats willpower
Run what-if scenarios, keep a check-in streak, and ask the AI coach when life changes. The date updates with you, so the plan is always the real one.

Why you can trust the date

A real engine, not a prettier promise.

1,000 simulations

Every date is the median of a thousand simulated futures — a distribution, not a single hopeful line.

Built for real income

Models steady, variable, and gig pay, and bends the line for the months you earn less.

Honest by default

We show the drift line most apps hide — because the plan you keep is the one that works.

It’s free, it takes three minutes, and the date is yours to keep.