Get out of debt faster. Watch your credit score climb.
Delete Debt AI turns your balances into a clear, personalized payoff plan — shows you exactly how much interest you'll save, and coaches you to a higher credit score along the way.
Free to start · No card required · Your data stays private & encrypted
Save thousands
See exactly how much interest a smarter payoff order saves you.
Debt-free years sooner
A little extra each month can cut years off your timeline.
A higher credit score
Target the exact balances dragging your score down.
From "where do I start?" to debt-free
Three simple steps. No spreadsheets, no guesswork.
Add your debts
Type them in or import a spreadsheet in seconds. Cards, loans, mortgage, car, medical — everything in one place.
Get your plan
We build a personalized payoff plan and your AI coach tells you exactly what to pay, and in what order.
Track & win
Watch your balance drop, hit payoff milestones, and stay motivated all the way to $0.
Everything you need to win with money
A complete toolkit for crushing debt and building credit.
AI payoff coach
Get a personalized, plain-English plan that uses your real numbers to tell you the smartest way to pay everything off.
Compare 3 strategies
See Avalanche, Snowball, and Highest-Balance side by side — and exactly how much interest each one costs you.
Score Summit
A personalized plan to raise your credit score, built around your real credit utilization and the factors that matter most.
Payment Simulator
Try a future payment and instantly see the impact on your utilization and estimated score — before you spend a dollar.
Stop the interest bleed
See what your debt costs you every single day, and get the smartest lump-sum move to slash it.
Progress dashboard
Upcoming payments, your next payoff milestone, a debt-over-time trend, and how much you've knocked out.
Savings goals
Build your emergency fund alongside your payoff plan so a surprise expense never sets you back.
Private & secure
Your data is yours — encrypted, never sold, never shared. We never connect to your bank or pull your money.
Simple, honest pricing
Start free. Go Pro when you're ready to accelerate.
Free
- Track your debts
- All 3 payoff strategies
- Credit utilization insights
- 1 saved plan & analysis
Pro
- Everything in Free, plus:
- AI payoff & credit coaching
- Unlimited saved plans & analyses
- Payment Simulator & bleed tools
- Spreadsheet import & savings goals
- Annual: $79/yr — save 27%
Your debt-free date is closer than you think.
Join Delete Debt AI and take the first step today — it's free.
Build my free plan →