My Debt Coach
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One calm place to stay on track

Your debt payoff plan, made simple.

See every card, loan, and pay-later plan in one place. Follow a clear plan, stay on track with due dates, and keep moving toward debt-free.

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Join 1,000+ of users

Two young friends smiling while checking progress on a phone

Built for real people paying off real debt

  • Students
  • Parents
  • Professionals
  • Artists
  • Business Owners
  • Freelancers
  • Retirees

How to build your debt payoff plan

Three steps from overwhelmed balances to a clear path toward paying off debt.

  1. 01

    Add your accounts

    Enter credit cards, loans, and pay-later plans. We organize every balance in one debt tracker.

  2. 02

    Compare and choose a strategy

    Pick from seven payoff models, then compare any two side by side on the same budget.

  3. 03

    Track, get reminded, celebrate

    Log payments, follow your calendar, turn on reminders, and hit milestones on your way to debt-free.

Your coach for the whole journey

Clear next steps for every card, loan, and pay-later plan, so progress feels doable.

  • All-in-one debt tracker

    See every credit card, loan, and pay-later purchase in one dashboard. No more spreadsheet chaos.

  • Seven payoff models

    Snowball, Avalanche, custom order, payment-first, utilization-first, and more. Pick the plan that fits your life.

  • Side-by-side model compare

    Same budget, two payoff models. Compare interest, months to debt-free, and the remaining-balance curve.

  • Pay-later tracking

    Track Klarna, Affirm, Afterpay, and more with installment progress, next due dates, and late alerts.

  • Payment calendar & catch-up

    See what’s due this month, what’s still open from earlier, and mark payments without losing the plot.

  • Reminders & notifications

    In-app bell alerts plus optional email digests for upcoming dues, late BNPL, and paid-off milestones.

Payoff strategy

Compare models before you commit

Run any two strategies on the same monthly budget and see which one saves interest or finishes sooner.

  • Seven models to choose from

    Snowball, Avalanche, custom order, and more.

  • Clear tradeoffs

    Compare interest, months to payoff, and remaining debt.

  • Includes pay-later tracking

    Budget validation and projections can include your BNPL obligations.

My Debt Coach compare view showing Snowball vs Avalanche interest totals and remaining debt chart
Pay later tracking

Keep every installment visible

Buy-now-pay-later plans belong in your debt plan, not buried in another app or email thread.

  • Major providers supported

    Track Affirm, Afterpay, Klarna, PayPal Pay in 4, Sezzle, Zip, and more.

  • Installment progress

    See paid vs remaining, next due dates, and plan types like Pay in 4.

  • Late alerts

    Overdue installments surface in your payments view and notification bell.

My Debt Coach pay later view showing Klarna installment progress and remaining balance
Payments & reminders

Never lose track of what’s due

A calendar for the month ahead, catch-up for what’s still open, and reminders when dates get close.

  • Due calendar

    Spot account payments and pay-later installments on one monthly grid.

  • Still open from earlier

    Carry forward unpaid obligations so nothing quietly falls through.

  • Bell + email reminders

    In-app alerts for overdue and setup tips, plus optional email digests.

My Debt Coach payments calendar with due dates, pay-later markers, and overdue catch-up list

See your debt payoff timeline

Your strategy projection shows remaining balance month by month, so you can see when you'll be debt-free under the plan you chose.

  • Month-by-month projection

    Watch remaining debt fall across the months in your active strategy.

  • Debt-free date in view

    See how many months remain until balances hit zero on your budget.

  • Clear payoff order

    Know which account gets extra dollars first while you pay minimums on the rest.

Debt payoff questions, answered

What is the best debt payoff strategy?
It depends on your goals. Avalanche usually saves the most interest by targeting highest APRs first. Snowball pays smallest balances first for quick wins. Highest-payment and utilization models optimize cash flow or credit usage. My Debt Coach lets you compare models side by side and pick a plan you can stick with.
Can I compare more than snowball and avalanche?
Yes. Choose any two of seven payoff models, including custom order, highest monthly payment, highest credit utilization, and balance sorts, then compare interest, timeline, and remaining debt on the same monthly budget.
Can I track credit cards, loans, and pay-later plans together?
Yes. Add credit cards, personal loans, student loans, and buy-now-pay-later plans in one debt tracker so your payoff timeline and payment calendar stay accurate.
Does My Debt Coach send payment reminders?
Yes. You’ll get in-app notification bell alerts for overdue payments, late BNPL installments, and setup tips. Optional email digests cover upcoming due dates, and milestone alerts celebrate paid-off accounts.
Is My Debt Coach free?
Yes. My Debt Coach is free to use. You can create an account, add your debts, and build a payoff plan with no paid plan required. Optional support helps keep the tool free for everyone. Start with the live demo if you want to explore first.
How secure is my financial data?
Your data is encrypted in transit and at rest. We never sell your information, and you can export or delete your data at any time.

Start your debt payoff plan today

Join people using My Debt Coach to organize balances, compare payoff models, track pay-later plans, and stay on top of due dates. Free to use.

Get Started TodayTry Live Demo

Takes a few minutes to add your balances and see a clearer path.