My Debt Coach
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One calm place to stay on track

Your debt payoff plan, made simple.

Bring every card, loan, and buy now, pay later (BNPL) plan into one place. Build a plan you’ll stick with, stay on top of due dates, and see progress every time you pay.

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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 buy now, pay later plans. We organize every balance in one debt tracker.

  2. 02

    Choose a payoff strategy

    Set a monthly budget, pick a model, and see your charts and savings. Compare any two models before you commit.

  3. 03

    Follow the calendar

    Payments are already scheduled from your plan. Use payment coaching and the due calendar to stay current.

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 chart.

  • Buy Now, Pay Later (BNPL) tracking

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

  • Payment coaching

    Track Minimum payments. Extra is the part above this month's interest. Get Focus suggestions, and see what to pay next on Home.

  • Reminders & notifications

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

Payoff strategy

See your plan, charts, and savings

Pick a strategy, set a monthly budget, and watch remaining debt fall. See how much interest you save vs paying only minimums.

  • Your plan on one screen

    Monthly budget, payoff order, and focus account stay together.

  • Payment charts

    Watch remaining balances drop month by month toward debt-free.

  • See what you save

    Compare your plan against minimums-only so the savings stay visible.

My Debt Coach plan view showing your strategy, remaining-debt chart, and interest saved vs minimums
Compare models

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.

  • Same budget, two outcomes

    Same monthly amount. Only the payoff strategy changes.

My Debt Coach compare view showing Snowball vs Avalanche interest totals and remaining debt chart
Buy Now, Pay Later (BNPL)

Keep every payment visible

Buy Now, Pay Later purchases belong in your debt plan, not buried in another app or email thread.

  • Major providers supported

    Klarna, Affirm, Afterpay, PayPal Pay in 4, and more.

  • Payment progress

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

  • Late alerts

    Overdue pay-later dues show in Payments and the bell.

My Debt Coach pay-later tracking view showing remaining balance by provider and payment progress
Payment coaching

Know what to pay and where to send it

Track monthly payments and Extra, get Focus suggestions, and refresh your plan when buy now, pay later (BNPL) purchases finish.

  • Monthly, Extra, and Focus

    Pay the monthly amount on every account. Leftover budget is Focus.

  • Next up on Home

    See the next due and suggested amount on Home.

  • Plan keeps up

    When a pay-later plan ends, we prompt a budget refresh.

My Debt Coach home showing Next up payment coaching with due dates and Focus suggestions
Payments

Due dates already on your calendar

Once your plan is set, upcoming amounts and due dates are already on Payments. Mark them paid as you send them.

  • Calendar of what's due

    This month's dues, overdue items, and pay-later dates together.

  • Amounts already filled in

    Monthly amounts, Extra, and Focus come from your plan, not a blank form.

  • Mark paid when you send it

    Mark paid, skip a due, or add extra when you can.

My Debt Coach Payments calendar showing due dates, amounts, and this month's scheduled payments

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 leftover budget (Focus) goes to first while you pay minimums on the rest.

Start your debt payoff plan today

Organize balances, compare payoff models, track buy now, pay later (BNPL) 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.

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 buy now, pay later (BNPL) together?
Yes. Add credit cards, personal loans, student loans, and buy now, pay later (BNPL) purchases in one debt tracker so your payoff timeline and payment calendar stay accurate.
Do you connect to my bank or make payments for me?
No. My Debt Coach does not link bank accounts or send payments on your behalf. We never ask for bank login credentials, routing numbers, or full card numbers. You enter balances and mark payments yourself. That is intentional. Paying off debt takes attention, and autopilot is often when due dates slip and extra payments stop. We give you a clear plan, calendar, and reminders. You stay in control of every dollar that leaves your account.
How does payment coaching work?
Your plan splits each month into Must pay, Focus, and Unspent. We track Minimum payments. Extra is the part above this month's interest. Focus leftover goes to your priority debt. Next up on Home shows what to pay. When a buy now, pay later (BNPL) plan finishes, we prompt you to refresh your monthly budget. Bell and email reminders cover overdue dues and milestones too.
Does My Debt Coach send payment reminders?
Yes. You'll get in-app notification bell alerts for overdue payments, late BNPL payments, 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?
We do not connect to your bank. You enter debt details manually, and only you can access your account data when signed in. Data travels over HTTPS and is stored on encrypted infrastructure. We never sell your information, and you can export or delete your data at any time.
Is there a My Debt Coach app?
For now, My Debt Coach lives in your browser. Use it on your phone, tablet, or computer, no download needed. There is no App Store or Google Play app yet. This is a passion project made for friends and family. A native app may come later if time and resources allow.
How do I get help?
Email support@mydebtcoach.app. We can help with account questions, data export, and using the planner.