Everything in one dashboard
Track every debt, payment, and milestone from a single screen. Clean, focused, and built for action.
app.debtdown.io/dashboard
AI coaching + daily streaks + what-if scenarios = debt freedom you can actually stick with.
"Great momentum! At this pace, your credit card is gone by August. Want to add an extra $50 this month?"
You've tried the calculators. You've built the spreadsheet. You even downloaded that app with the pie chart. But after two weeks, you stopped opening it. The problem isn't your math. It's your motivation.
of users abandon debt apps within 14 days
average engagement before most apps get forgotten
longer retention with gamification and coaching
No finance degree required. Just add your debts and let DebtDown handle the strategy.
Credit cards, student loans, car payments, medical bills. Enter balances, rates, and minimums in under 3 minutes.
Snowball, avalanche, or let our AI recommend the fastest path based on your cash flow and psychology profile.
Daily check-ins, streak rewards, milestone badges, and smart nudges that adapt to your spending patterns. Built to last.
Duolingo keeps you learning. DebtDown keeps you paying. Same psychology, different goal.
Don't break the chain
Log a payment, check your progress, or review your plan daily. Your streak grows — and so does your commitment to being debt-free.
Collect them all
First payment logged, $1K milestone, 30-day streak, debt eliminated — earn badges for every win, big or small.
Level up your finances
Every payment earns XP. Hit milestones to level up. Watch your financial health score climb alongside your progress.
Your personal advisor
Smart nudges based on your spending patterns. Suggests extra payments when it detects surplus cash. Celebrates wins and reframes setbacks.
See your future
"What if I add $100/month?" "What if I pay off the car first?" Instantly model any scenario and see how months and dollars change.
You're not alone
See how you stack up against others in your debt range. Friendly competition with full privacy. No real names, just motivation.
Track every debt, payment, and milestone from a single screen. Clean, focused, and built for action.
Drag the slider to compare minimum payments vs. adding just $150/month extra.
No credit card required for free. Cancel premium anytime.
Get started with the basics
Full power. Full motivation.
Calculators give you a number and send you on your way. DebtDown gives you a plan, a coach, and a reason to open the app every day. Streaks, badges, and AI nudges make the difference between knowing what to pay and actually paying it.
Snowball tackles your smallest debt first for quick wins and psychological momentum. Avalanche targets the highest interest rate to save the most money mathematically. DebtDown's AI can also create a hybrid strategy that balances both based on your personality.
Absolutely. We use 256-bit AES encryption, never store bank credentials, and never sell your data. DebtDown works with manually entered balances — we don't need to connect to your bank. Your data stays yours.
Yes. Cancel from your settings in two taps — no phone calls, no guilt trips. Your data stays on your free account, and you keep any badges you've earned. Upgrade again whenever you want.
Yes — credit cards, student loans, car loans, medical debt, personal loans, and mortgages. If it has a balance, a rate, and a minimum payment, DebtDown can track it and build a payoff plan for it.
Join thousands who turned debt payoff from a chore into a challenge they actually enjoy.
No credit card required. Free forever for up to 3 debts.