Find out exactly when you’ll be debt-free.
Quick estimate
Use your own numbers. Nothing is saved.
Debt-free by
July 2029
Interest you’d save with a plan
$2,402
Months saved
16
Quick estimate treats your debts as one balance at your average rate. Your full plan looks at each debt for an exact date.
Add your debts and get a free month-by-month payoff plan, a bill due-date calendar, and progress tracking. No bank login. No credit check. Free forever.
- Free forever
- No bank login
- No credit check
- Your data stays private
Sound familiar?
- You pay every month, but the balance barely moves.
- You’re not sure which card to pay off first.
- Due dates sneak up and late fees pile on.
MoneyXPS turns your debts into a simple plan you can follow.
How it works
- 1
List your debts
Enter each balance, interest rate and minimum payment. Takes about 2 minutes.
- 2
Pick your plan
Smallest balance first (quick wins) or highest interest first (saves the most). We show you both.
- 3
Follow it and watch it shrink
When one debt is paid off, its payment rolls into the next. Check in monthly to see your progress.
What you get — free
Examples use one sample: $15,000 of debt at 19.6% average interest, paying $450/mo plus $150 extra.
Also free: Debt Consolidation CalculatorDebt-to-Income Calculator
Your info stays yours.
- We never ask for your bank login.
- We never check your credit.
- Calculations run on your device.
- Delete your account anytime.
Why is it free?
MoneyXPS is free because we sometimes show offers from partners, like lower-rate loans, that may help you pay off debt faster. If you choose one, we may earn a commission. You never pay us anything, and the planner works the same whether you use an offer or not.
Questions
Is it really free?
Yes. The payoff planner, progress tracker, bill calendar and calculators are free to use. No trial and no credit card needed. We may earn a commission if you choose a partner offer, but you never pay us anything.
Do I need to link my bank?
No. You type in your balances, interest rates and minimum payments yourself. We never ask for your bank login.
Will this affect my credit score?
No. MoneyXPS never checks your credit, so using the planner has no effect on your score. If you ever decide to apply for a partner offer, that lender may check your credit as part of its own application. That is separate from MoneyXPS.
Snowball vs. avalanche: which should I pick?
Snowball pays off your smallest balance first, so you get quick wins that keep you motivated. Avalanche pays off your highest interest rate first, which saves the most money. MoneyXPS shows you both side by side. The best plan is the one you will actually stick with.
Can I use it on my phone?
Yes. MoneyXPS works in the browser on any phone, tablet or computer, with nothing to download. Create a free account to save your plan and pick up where you left off on any device.
See your debt-free date in 2 minutes.
Start My Free PlanFree forever · No credit card · No bank login