🎯 Free Debt Payoff Calculator - Optimize Your Debt Strategy
Calculate your optimal debt payoff strategy using the debt avalanche or snowball method. See exactly when you'll be debt-free and how much interest you'll save.
Your Debts
Payoff Strategy
Your Debt-Free Plan
🎯 Milestones to Celebrate
What is coming next
We are building an AI powered debt financial assistant. Here's our roadmap to financial freedom:
Automatic Bank Integration
Connect your real accounts and track debt automatically with secure open banking.
AI-Powered Smart Insights
Get personalized recommendations, understand your money patterns and accelerate debt payoff.
Interactive Progress Dashboard
Visualize your debt-free journey with gamified milestones and motivation.
AI Financial Assistant Savy
24/7 AI chatbot that provides expert answers to all your debt and financial questions.
🔍 Did you know?
Most people don't know their exact minimum payments or interest rates — and that's why they stay in debt.
With SpendSavy, you'll always know exactly how much to pay, when, and what to prioritize.