Digital tool · Instant download
You're not behind. You've never missed a payment. You just have no idea when this ends — and nobody ever told you that the order you pay them in changes the answer by years.
Enter what you owe. In about ninety seconds you'll have a month, a year, and a plan you can print.
One file · Opens in any browser · Nothing you type ever leaves your device
What you actually get
Not "eventually". A specific month and year, calculated from your real balances and rates. Most people have never seen this number, and seeing it changes the way the whole thing feels.
The calculator shows the do-nothing baseline next to every other option, so the gap between them is priced in both dollars of interest and years of your life.
Snowball, avalanche, or an order you choose yourself — compared on identical money, so the trade-off between "cheapest" and "the one I'll stick to" is visible instead of theoretical.
A full month-by-month schedule down to the cent, showing which debt clears when. Print it, put it on the fridge, and stop re-deciding every payday.
The shift
This is the whole idea, drawn out. Nothing is being paid down faster because more money appeared — it's faster because the money stopped being spread thin.
How most people pay
Every debt gets its minimum. Every debt keeps charging interest. The balances all creep down together and none of them ever actually disappears, so it never feels like progress — because structurally, it barely is.
How the plan pays
Every debt still gets its minimum — but everything spare goes to one target until it's gone. Then that whole payment rolls onto the next one, on top of what you were already paying. The last debts fall far faster than the first.
Look inside
Every screenshot on this page is the product itself, running. Nothing here is a mock-up.
Every screen
Six screens, in the order you'd meet them. Click any of them to zoom in.
What each part does
Name, balance, interest rate, minimum payment. Add as many as you have. It saves as you type, so closing the tab doesn't lose your work.
One number. It starts at the sum of your minimums, and a slider adds anything extra so you can watch what $50 more a month actually does to the date.
The four strategies side by side — minimums only, snowball, avalanche, your own order — each with its date, its total interest, and what it saves against doing nothing.
Every payment on every debt, in order, with the month each one clears highlighted. Reorder debts by hand if you want a different sequence.
A clean print layout so the plan leaves the screen and becomes a piece of paper you tick off. This is the step most people skip and most people need.
How it works
You get one HTML file, straight after payment. Nothing to install, nothing to sign up for, and your download link stays live for 30 days so you can save it properly.
Double-click the file. It opens in whatever browser you already have — no install, no sign-in. Enter your balances, rates and minimums.
Compare the four strategies, choose the one you'll actually stick to, and print the schedule. Then it's just following a piece of paper.
Honestly compared
All three of these work. They're just different trades, and you should know which one you're making.
| The Debt-Free Date | A spreadsheet template | A free online calculator | |
|---|---|---|---|
| Account needed | None | Google or Excel | Often email or sign-up |
| Where your balances go | Stay on your device | Your cloud drive | Their server |
| Works offline | Yes, fully | No | No |
| Compares all four strategies at once | Yes | Usually one at a time | Usually one at a time |
| Can you break it | No formulas to overwrite | One bad paste breaks it | Nothing to break |
| Cost | $22 once | $12–$44 once | Free, usually ad-supported |
| Yours next year | Same file, no new version | Often re-sold annually | Depends if the site still exists |
If a free calculator gives you the answer you need, use the free calculator. This exists for people who want the comparison, the printable schedule, and their numbers kept off the internet.
Why this exists
I built this because of a specific conversation. Someone I know had five balances, paid every single minimum on time for years, and genuinely believed they were doing the responsible thing. They were — but nobody had ever shown them that spreading the money evenly is close to the worst thing you can do with it.
We sat down and put the actual numbers in. It took about ten minutes, and it moved their finish date by more than two years. Nothing about their income changed. They just stopped paying everything a little and started killing things one at a time.
Every tool I could find for this wanted a Google account, or looked like a tax return, or wanted their debt balances typed into a website. So this is one file that opens in a browser, does the arithmetic properly, prints, and never sends anything anywhere.
It won't fix a genuine shortfall — no calculator can, and I've said so plainly inside the tool as well. But if you're paying steadily and just can't see the end of it, this will show you exactly where the end is, and how to move it closer.
— Thomas, Curious Digital Things
One shift. Two tools.
The calculator settles the argument in one sitting. The workbook is what gets you through the twenty-nine months after it — because the plan was never the hard part.
The calculator on its own.
One-time. No subscription.
The plan, plus the year of keeping it.
Both files, one payment.
The printable companion on its own.
One-time. Print it as often as you like.
Buying it for someone else
It's a hard thing to raise with someone you love, and a much easier thing to give them. Both files together come in under $30, they arrive as ordinary files you can forward, and there's nothing in either one that says where it came from or what it cost.
Add two of each to the cart and you've got a copy for them and a copy for you — which is usually how this conversation goes best anyway.
Before you buy
One file called the-debt-free-date.html. You double-click it and it opens in your browser on Windows or Mac — Chrome, Edge and Firefox are all fine. There's nothing to install and nothing to sign into. It's built to be used on a computer. If you also buy the workbook, that's a separate 23-page PDF you print.
Everything you type stays in your own browser on your own device. The file makes no network requests of any kind — you can disconnect from the internet entirely and it works exactly the same. Nothing is uploaded, nothing is tracked, and there is no account for anyone to breach.
Most free calculators run one strategy at a time on someone else's server. This compares all four at once on the same money, gives you the full month-by-month schedule, prints properly, and keeps your balances off the internet. If none of that matters to you, a free calculator is genuinely fine.
No. It will show you the fastest and cheapest order to pay in, and exactly what to pay each month — but the paying is still yours to do. It also can't create money that isn't there. If your minimums are already unaffordable, this tool won't fix that, and free financial counselling will help you more than any calculator, including this one.
No, and it says so inside the tool as well. It's arithmetic performed on numbers you type in. It doesn't know your income, your circumstances or your goals, and it can't tell you what's right for you.
The calculator assumes the rate you enter stays fixed, and it tells you so on screen. If a card reverts to 22% in a few months, enter 22% rather than 0% — otherwise the projection will flatter you. It also ignores fees and penalty rates, which is the honest limit of a tool this simple.
Your download link stays live for 30 days after purchase. Save the file somewhere sensible in that window and it's yours permanently — there's no expiry on the file itself, and no annual version to buy again.
There's a 30-day money-back guarantee. Email support@curiousdigitalthings.store and you'll get a refund, no argument. Full details are on the refund policy page.
Ninety seconds of typing, and a date you can hold on to. That's the whole promise, and it's the one thing nobody has given you yet.
Instant download · 30-day money-back guarantee · works offline forever
Curious Digital Things