Balances update when you record a payment or adjustment.
Your payoff plan
Choose a strategy. See what changes.
Monthly debt budget
$600
minimums
+
+$300
above minimums (included)
Snowball
Smallest balance first
Payoff date
Nov 2029
Total interest
$2,380
Interest saved: $240
Avalanche
Highest interest first
Payoff date
Oct 2029
Total interest
$2,140
Custom
Your own order
Payoff date
Choose an order
Total interest
—
Your payment order
Use ↑ ↓ arrows to reorder
Remaining this month$900/month
Try an extra payment
See how an extra payment changes your payoff date and total interest.
Planned extras
Date
Amount
Notes
Show debt
From
Regular budget
$900/ month
Method
Avalancheⓘ
Planned extra this month
$150
Month
Opening balance
Interest
Total payment
Extra included
Closing balance
ⓘTotal payment already includes the extra.
Forecast only. Payments are recorded separately.
May payment breakdown
Showing 4 of 30 months
Your payments
A clear record of what you have paid.
Total paid
$6,100
%
Interest recorded
$900
Principal repaid
$5,200
🔍
Date ↑
Debt
Payment
Interest ⓘ
Principal
Status
Showing 4 of 28 payments
Charges & balance corrections
⌄
Fees, refunds and manual balance adjustments appear here. No adjustments recorded this period.
Record completed payments here. Plan future extras in My Plan.
Settings
Make DebtClear yours. Keep your progress safe.
Preferences
ⓘChanging currency changes the display, not the amounts.
Your data
Saved in this browser on this device.
No bank connection. No automatic device sync.
Last backup: 15 May 2027
Appearance
Primary colour
Theme
Help & guidance
Quick start guide
›
How forecasts work
›
App help
›
Reset app data
Clear all your data and start fresh.
DebtClear
Welcome to DebtClear
Build your payoff plan and track your progress, one payment at a time.
First time here? We recommend Get started to set up your debts and payoff plan step by step.
Your preferences
Choose how your information is displayed. You can change this later.
Changing currency changes the display, not the amounts.
Your debts
Add each debt using the same details you use in My Debts.
$
%
$
ⓘUse the balance and APR from your latest statement.
⚙️More options
⌄
Minimum payment for this debt:$60/month.
Your plan
Set your regular monthly budget. Minimum payments are included; planned extras can be added later.
For Custom, you can adjust the order in My Plan.
Quick Pay
Review once. Record together.
ⓘRecords payments only. No money is transferred.
Monthly plan
$900
Remaining to record
$600
Debt
Payment
Interest ⓘ Estimated
Principal
💳Chase card
$412.00
🚗Car loan
Already recorded ($300.00)
—
—
👤Personal loan
$125.00
ⓘInterest is estimated. Update it from your statement when available.
Add a debt
A few details to build your plan.
$
%
$
ⓘUse the balance and APR from your latest statement.
⚙️More options
⌄
Minimum payment for this debt:$60/month.
Record a payment
Log what you actually paid.
$
$
ⓘEnter the interest shown on your statement.
Estimates stay marked until reviewed.
Principal repaid
$48.00
$60 payment – $12 interest
✓Saved successfully
Add planned extra
Added on top of your regular monthly budget. This plans payments; it does not record them.
Using DebtClear
Add the balance, APR and minimum from your statement, then set your budget in My Plan. The budget includes minimum payments; planned extras are added for their selected month.
Forecasts estimate interest monthly using APR ÷ 12. Real lender interest can differ. Quick Pay records payments you have made; it does not move money or pay your lender.
Use the payment menu to correct or delete a recording. Charges and refunds belong in balance corrections. Use Settings to choose the forecast date and download a backup.
Data stays in this browser on this device. Moving the HTML file or clearing browser data can make saved data unavailable. Keep a JSON backup to restore your records.