Become debt-free
on your own terms

Add all accounts you’d like to pay off, define your monthly payoff budget, select a strategy and get a personalized payoff schedule.

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Let us show you the way to a debt-free future

Nobody is perfect, and many people have debts to pay off. The question is, "Do you have a plan?" Choose a strategy and get out of debt with a suitable repayment plan integrated into your budget.

Include all details

Enter your APR, minimum payment, forbearance period, and promotion rate to customize your plan.

Define payoff budget

Analyze your available money and ensure you have enough to cover at least all of your minimum payments.

Choose a strategy

Select between two main strategies whether you want to see results quickly or pay less in interest.

Payment prioritization

We’ll prioritize your debt payments based on the payoff strategy to ensure you stay on track.

Payoff schedule

Get your own debt payoff schedule to see how many payment cycles are left until your debt-free date.

Play with numbers real time

Adjust the payoff budget to see how your strategy changes. Apply a new budget to become debt-free faster.

Improve your life using budgeting

PocketGuard is an all-in-one platform that brings together everything you need to optimize your finances. Join thousands of families using PocketGuard to achieve financial peace and security.

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