A clear path out of debt — and the date it ends.
Compare snowball, avalanche, and hybrid payoff strategies, then pressure-test your plan with a real-time what-if simulator. Debtfall shows exactly when you'll be free — and catches the deferred-interest traps other tools miss.
No sign-up. Your data stays on your device.
Payoff timeline · sample plan
Debt-free in 33 months
Features
Strategies compared
Snowball, avalanche, hybrid, and custom — run side by side with debt-free dates and interest totals, so you pick with eyes open.
Deferred-interest trap detection
Store and medical 0% promos can back-charge every penny of interest if you miss the deadline. Debtfall flags the trap most tools ignore.
What-if simulator
Drag a slider for extra payments, drop in a lump sum, or model a balance transfer — the timeline recalculates in real time.
CSV import & export
Bring your debts in from a spreadsheet with a forgiving parser, preview before committing, and export clean backups any time.
Private by default
No account required. Your data stays on your device unless you choose to sync — and if you do, it's encrypted and never sold. No card numbers, no bank logins.
See your debt-free date in under a minute.
Load a realistic sample or add your first debt — no account required.
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