Compare 3 proven payoff strategies side-by-side and find your fastest path to $0.
Built by someone who actually did it
Financial independence at 34. Family of six. Single income. I built the tools I wish existed when I started — free tools that give you real answers. Coaching is optional if you want it.
— Chris Watkins, Founder · Read my story
Enter your debts once. Compare 3 proven payoff strategies side-by-side. Get your personalized payoff date and action plan.
Add each debt with balance, rate, and minimum payment
See Avalanche, Snowball, and Hybrid approaches side-by-side
Your personalized payoff date, timeline, and action steps
Experian's consumer credit file showed an average total debt balance of $105,444 in September 2025. That figure includes mortgages. The 2023 average on the same table was $104,215. Experian Consumer Debt Study, data as of September 2025. The way out still depends on your balances, not the average.
Questions about these results? We recommend consulting a Certified Financial Planner (CFP) or tax professional who can review your complete financial picture.