Free debt payoff sequencer

Other tools show you
how long minimum payments take.
FreeByDate shows you the fastest way out.

With discipline and a clear sequence, FreeByDate builds your personal payoff plan from your real income, fixed bills, and protected savings. You see exactly which debt closes first, which comes next, and the precise date you owe nothing to anyone.

Start being debt free See how it works

Free to start. No account required. No credit card.

$65.3T
Total global household debt in 2026, per the Institute of International Finance, and it keeps climbing
40+ yrs
How long minimum payments actually take to clear a $5,000 balance at 20% APR. Most people have no idea.
21.52%
Average APR on credit card balances currently accruing interest in Q1 2026, per the Federal Reserve
$27T
Borrowed globally by governments and companies in 2025 alone, a record high, double the level of ten years ago, per the OECD
The problem with other calculators

They tell you how long.
Not how to finish faster.

Every other debt calculator starts from minimum payments and works forward. It shows you a payoff date years away, assumes you keep paying the same amount forever, and gives you nothing to act on.

FreeByDate starts from your discipline. It takes your full available surplus each month and directs it entirely at one debt until that debt is gone. When it closes, that freed payment stacks into the next one. The speed compounds every time you win.

Your savings are protected from the start. Your fixed bills are accounted for. What remains is your payoff weapon, and FreeByDate shows you exactly what it can do.

The question is not how long minimum payments take. The question is: with real discipline, how fast can I actually be free?
How it works

A sequence, not a calculator.

1

Enter your real numbers

Your take-home income, every fixed bill (rent, phone, insurance), and your monthly savings amount. Your savings are set aside first and never touched for debt.

2

Add every debt

Credit cards, lines of credit, personal loans, car loans. FreeByDate orders them into a closing sequence using the snowball or avalanche method. One target at a time.

3

Get your exact timeline

A month-by-month plan showing exactly when each debt closes, what carries forward, and the precise date you owe nothing. Built from your actual numbers, updated whenever you change them.

Why FreeByDate

Built differently from the ground up.

Most tools are designed to show you your debt. FreeByDate is designed to end it.

Feature Other calculators FreeByDate
Payoff strategy Minimum payments spread across all debts ✓ Full surplus attacks one debt at a time
Payment stacking ✗ Not available ✓ Freed payments roll into the next debt automatically
Closing date per debt ✗ Final date only ✓ Every debt gets its own closing date
Protected savings ✗ Not tracked ✓ Ring-fenced monthly, shown growing alongside debt
Fixed bill debts ✗ Not modelled ✓ Tracked in Phase 1, attacked with full surplus in Phase 2
Strategy comparison Snowball or avalanche, pick one ✓ Both shown side by side with exact time and money saved
Cost Free to basic, paid for full features ✓ Free to start, no account required
What FreeByDate includes

Everything a serious payoff plan needs.

No fluff, no upsells inside the tool.

Payment stacking

When a debt closes, its full payment rolls immediately into the next target. Your payoff speed compounds with every win.

Closing date per debt

Not just a final debt-free date. Every debt on your list gets its own closing month and year.

Protected savings

Your savings amount is set aside before the debt calculation runs. It is never touched, and you watch it grow month by month.

Fixed bill debts

Car loans and mortgages pay minimums while your queue runs. Once every closeable debt is cleared, your full surplus pivots to attack them in Phase 2.

Snowball vs. avalanche

Toggle between strategies. FreeByDate shows the difference in months and total interest paid side by side so you can choose with full information.

Savings shortcut

See how reducing your monthly savings by a fixed amount moves your debt-free date forward. You decide what the trade-off is worth.

The tool

See where every dollar goes, every month.

The math is honest. The date is real.

Start being debt free

Most apps tell you how long minimum payments take.
FreeByDate tells you something different:

With discipline, this is how fast you can actually be free.

Frequently asked questions

Everything you need to know.

Most calculators take your minimum payments and show you how long your debt will last. FreeByDate does the opposite. It takes your full available surplus each month and directs it entirely at one debt until that debt closes. When it closes, the freed payment stacks into the next one. The result is the fastest mathematically possible payoff path built from your real numbers, not a worst-case minimum-payment projection.
FreeByDate subtracts your fixed bills and protected savings from your monthly income to find your available pool. Each month, that full pool attacks your current target debt. When it closes, the freed payment rolls into the next debt automatically. This gives you a closing date for every debt in the sequence, not just the last one.
The snowball method pays off your smallest balance first while making minimum payments on all others. Once the smallest closes, its payment rolls into the next smallest, building momentum. Research consistently shows that the snowball method helps people stay motivated and stick to their plan, which matters more than mathematical optimisation in the short term.
The avalanche method attacks your highest interest rate debt first. It saves the most money in total interest over time. FreeByDate lets you toggle between snowball and avalanche and shows the difference in months and total interest paid side by side, so you can choose with full information rather than a guess.
Yes, and this is a core feature. You set a monthly savings amount and it is ring-fenced before any debt calculation runs. It is never used for payments, even in months where the pool runs tight. Your savings balance grows every month alongside your shrinking debt, so you can see both at the same time.
You decide how to classify them. Mark a debt as a fixed bill and FreeByDate pays its minimum every month while your closing queue runs. Once all closeable debts are cleared, FreeByDate enters Phase 2 and your full surplus pivots to attack fixed bill debts in the order you choose, with a closing date for each one.
The full sequencer is free to start. No account required. No credit card. You can run your simulation, see your debt-free date, and get your complete month-by-month timeline without paying anything. Because the first thing you need is to trust it, and you cannot trust something you paid for before you have seen it work.

Your debt has a last month.
Find out which one.

Free to start. Takes two minutes. No account needed.

Start being debt free
Your numbers

Build your payoff sequence

Fill in your income, bills, and debts. Hit Build and see your exact sequence.

◎
Your timeline will appear here

Fill in your income, bills, and debts on the left, then hit Build.