Every debt in one number
Credit cards, loans, overdrafts, installments and money you owe friends, with your total debt and monthly payments at a glance.
Snowball or avalanche, your choice
Pay the smallest balance first for quick wins, or the highest rate first to pay the least interest. Spendry compares both and keeps the plan up to date as you pay.
A date that moves when you do
Record a payment or add an extra amount, and your debt-free date moves closer right away.
Reminders before every due date
A notification arrives before each payment, even when the app is closed, so a missed minimum never adds late fees.
How the payoff plan works
- Add each debt with its balance, rate and minimum payment.
- Choose the snowball or the avalanche method.
- Set how much extra you can pay each month.
- Record payments as you make them and watch the date move.
What makes it different
- Cards, loans and installments are tracked in detail, not as one number.
- No bank login and no data collected.
- The free calculators on this site use the same methods, so you can try your numbers first.
Free calculators
Debt payoff calculator
Free debt payoff calculator: compare the snowball and avalanche methods and see the month you'll be debt-free and the interest you'll pay. No sign-up.
Credit card payoff calculator
Free credit card payoff calculator. Enter your balance, rate and monthly payment to see your payoff date, the total interest and what paying only the minimum costs.
Loan calculator
Free loan calculator for car loans, personal loans and mortgages. See the monthly payment, the total interest and the full payment schedule.
Guides
Debt snowball vs. avalanche: which one should you use?
The snowball pays the smallest balance first, the avalanche the highest rate. See how they differ, which saves more interest and how to follow either one.
How to find your debt-free date
Your debt-free date is the month your last debt is paid off. Here is how to work it out and how extra payments move it closer.
How to pay off credit card debt faster
Practical steps to pay off credit card debt faster: pay more than the minimum, aim extra money at the highest rate, never pay late and stop new balances.
Questions
What is the snowball method?
You pay the minimum on every debt and put any extra money toward the smallest balance. When it is gone, its payment rolls into the next one.
What is the avalanche method?
The extra money goes to the debt with the highest interest rate first, which usually costs the least interest overall.
Can I track money I owe friends or family?
Yes. Personal debts can be added with or without interest and follow the same plan.
Is the debt plan free?
You can start for free. Premium removes the limits of the free version, with a free week to try it.
