debtmo
Start free

Debt payoff that shows your next move.

Every payment moves you forward.

Start free by manually adding the bank and debt details needed for planning. Upgrade later for paid Plaid sync when you want connected account updates.

Start free manuallyTry sample dashboard
Manual entry stays credential-free; paid sync is planned through Plaid.
debtmo
AM
Momentum Score
74%
743
Strong momentum
Total Debt
$35,950
$1,480 paid this month
Payoff Progress32% paid off
Paid off $11,234Remaining $24,716
Balance Over TimeActual to projected
743
Momentum Score
Overall momentum based on 8 factors
92%
On track
Projected to be debt-free by Sep 2029
39
Months to go
Estimated time to debt freedom
$3,612
Interest saved
Compared with minimum payments

Your payoff timeline, without the guesswork.

debtmo converts manually entered or synced balances and monthly payments into a timeline that is easy to scan, adjust, and follow.

Free manual setup
Paid Plaid sync path
Built around your next action
Everyday Card
$4,280 at 22.4%
Step 1
Medical Balance
$1,320 at 0%
Step 2
Auto Loan
$11,950 at 7.2%
Step 3
Student Loan
$18,400 at 5.6%
Step 4
Debt free Sep 2029

One payment at a time.

A smarter way to pay down debt.

Three focused steps turn scattered balances into a plan you can keep moving.

1

Start manually for free

Enter planning-level bank and debt details, such as lender labels, balances, APRs, payments, and due dates.

2

Get your plan

Compare snowball and avalanche schedules, including interest and debt-free date estimates.

3

Upgrade sync when ready

Move to the paid Plaid option when connected account updates are worth it.

Privacy-first by design

Manual entry should never include credentials, account numbers, or routing numbers. Paid sync is planned through Plaid with provider handling kept server-side.

Review settings

Tools that keep you moving forward.

Everything needed to make the next debt payment clear, measurable, and easier to repeat.

Manual-first setup
Start free by adding the bank, card, loan, balance, APR, and payment details needed for planning.
Paid Plaid sync path
Upgrade later for Plaid-powered account sync when you want connected balance and payment updates.
Opportunity scanner
Surface practical cash-flow moves that can become extra principal this month.
Private by design
Manual forms avoid credentials and account numbers; paid sync must run through server-side provider handling.
Start manual setup

Start manual. Upgrade when sync pays for itself.

The initial free product is a manual planner. The paid path is Plaid-powered account sync for users who want connected updates instead of maintaining every balance by hand.

Plan
$0
Free manual planner

For people who want to start without connecting accounts.

Manually add bank, card, loan, balance, APR, payment, and due-date details.
Compare payoff strategies and update progress yourself.
No bank login, account number, routing number, or credit pull required.
Start manual setup
Plan
Paid
Paid Plaid sync

For people who want connected account updates when sync is ready.

Connect supported accounts through Plaid instead of maintaining every balance manually.
Use server-side token handling with provider secrets kept out of the browser.
Requires authenticated accounts, billing, and verified data controls before launch.
Request early access

Get early access for manual planning and paid Plaid sync.

Join the early list if you want the free manual planner, the paid Plaid sync upgrade, or both.

Free manual entry for planning-level bank and debt details
Paid Plaid sync for connected balance and payment updates
No credentials, account numbers, routing numbers, or credit pull in the manual flow

Manual entry is for planning details only. Do not enter credentials, account numbers, or routing numbers.