Debt Freedom OSby Carter Debt Mastery
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No bank login • No credit check • 100% private

Pay off your credit card debt faster. One card at a time.

Stop guessing. Get a real plan that shows exactly what to pay, which card to attack first, and exactly when you'll be debt-free.

Try it free — no account neededSee how it works

Here's what each dashboard looks like in the Standard Plan:

Your payoff plan showing every debt with balance, APR and minimum paymentDebt-free date, time to payoff, total debt, interest saved and daily interest cost statsYour payoff order showing which card to attack firstFull month-by-month payoff plan with editable extra paymentsYour milestones tracking each card paid off until completely debt-free

How it works

Step 1

Add your debts

Name, balance, APR and minimum payment. No bank login needed.

Step 2

See your debt-free date instantly

The avalanche method puts your highest-interest card first.

Step 3

Follow the plan

Know exactly what to pay each month until you're free.

Start free. Upgrade when you're ready.

Free

$0

What you get free — no account needed.

  • Avalanche calculator
  • Your debt-free date
  • 6-month plan preview
  • Up to 2 cards
Start free

Standard

Most popular
$9.99/month

Everything you need to reach debt-free.

  • Unlimited cards & full plan
  • Budget tracker & extra-money finder
  • Where to Cut Back
  • Streaks & milestone celebrations
  • What-if simulator
  • Daily interest cost & interest saved
  • Monthly PDF progress reports
Create your account