Track Net Worth, Budget & Crush Debt

See exactly where every dollar goes. Track your net worth, crush your debt, and watch your goals become reality—all in one place.

Features

• Know your exact net worth - See your complete financial picture updated every time you log in
• Every dollar has a job - Envelope-style budgeting with every dollar accounted for
• Attack debt strategically - The avalanche method picks which debt to attack first
• First things first - Emergency fund, vacation, house down payment in order

Get started in 3 simple steps

1. Enter your budget - Our wizard walks you through it in under 5 minutes
2. See your surplus - Instantly see how much money you have for debt payoff
3. Watch your progress - Track your debt-free date and goal timelines

How to Use the Debt Avalanche Method (Step-by-Step Guide)

The debt avalanche method is the mathematically optimal way to pay off debt. By targeting your highest-interest debt first, you minimize total interest and get debt-free faster.

What Is the Debt Avalanche Method?

Make minimum payments on all your debts, then throw every extra dollar at the debt with the highest interest rate. Repeat until debt-free.

Step 1: List All Your Debts

Write down every debt with balance, interest rate, and minimum payment. Sort by interest rate from highest to lowest.

Step 2: Calculate Your Budget Surplus

Your surplus is total monthly income minus all expenses. The bigger your surplus, the faster you get out of debt.

Step 3: Attack the Highest Rate First

Pay minimums on every debt, then add your entire surplus to the highest-interest debt payment.

Step 4: Roll Over Payments

When a debt is paid off, add everything you were paying to the next highest-interest debt. Your payment avalanche grows larger as each debt falls.