Not another budgeting app. Debt Engine reads your APRs, your BNPL deadlines, and your paycheck cadence — then tells you what to do, in order, with the math to back it.
Or try a free calculator first — debt avalanche, BNPL deadlines, windfall finder, or refinance math.
Attack the highest-interest debt first — real interest cost, not vibes. Automatic prioritization, recomputed as balances change.
Buy-now-pay-later 0% promos from Affirm, Klarna, and PayPal surface before retroactive interest hits. No major app does this.
Paid biweekly, you get 26 checks a year — but most budgets assume 24. Twice a year a third check lands in a month. We earmark those windfalls for debt, invisible to the monthly budget.
Ask Claude — Anthropic’s AI — about your own numbers. “Should I refinance my 7.5% car loan?” The math decides your payoff order; the AI explains the why.
“Chase Sapphire”. We prefill the APR from ~30 common issuers — adjust if you know the exact rate. Add balance and minimum.
Your debt-free date, the savings from paying $X/mo extra, and — once you add a second debt — the avalanche order. No login required.
Sign up to lock the strategy in, track payoffs, get BNPL deadline alerts, and share with a partner. Year one free.
This is the real trajectory chart from the dashboard — rendered against an invented household: thirteen debts, ~$138k total, BNPL deadlines stacked in the front, a 401(k) loan holding up the rear. Your actual numbers show the same shape with your names on it.
Phase 1 gets you to zero. Phase 2 captures the match and funds the IRA. Phase 3 projects the runway to retiring early. The windfall paychecks are the bridge — they attack debt while debts exist, then redirect straight into retirement. Same engine, same app; you never graduate out of it.
Accounts, retirement, real estate, vehicles, rentals. What you own against what you owe.
Snap a photo, auto-parse every deduction. No typing line items from a W-2.
Current balance + contributions + realistic returns → monthly income at 65. Honest math.
When does your portfolio earn more than you contribute? When can you stop saving entirely? Real FI math.
Every spare dollar gets a verdict — extra debt payment or retirement contribution, with the math for why.
Exactly how much IRA room you have left, and how many days remain to use last year's window.
Spouse, partner, or accountant — view or edit. Not another shared Google Sheet.
Manual entry only. No bank credentials, no Plaid, no broker reselling your transactions.
We're manual entry. No Plaid credentials to hand over. If typing balances once a month sounds like too much, we're not it.
That's YNAB. We do debt strategy. The two actually complement each other — we don't compete.
Set up autopay above the minimum and close this tab. You don't need a tool; you need a calendar.
Year one's on us. After that it's $29/yr. If that's a dealbreaker we understand — go in peace.
I built Debt Engine because I needed it: paying down my own stack of debts, capturing the 401(k) match, funding the IRA, and running the early-retirement math — and no tool would tell me what to do next. Just dashboards repeating what I already knew.
There are no investors here, which means no pressure to sell your data, push bank sync, or hook you with streaks. The strategy engine is deterministic math you can audit — the AI doesn’t decide your payoff order, it explains it. For that I use Claude, because when you ask a question about your own money, you deserve the best reasoning model available on your side.
Your data is yours — export everything as JSON anytime, right from Settings. If this ever shuts down, you leave with your numbers.