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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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.
Enter your APR, minimum payment, forbearance period, and promotion rate to customize your plan.
Analyze your available money and ensure you have enough to cover at least all of your minimum payments.
Select between two main strategies whether you want to see results quickly or pay less in interest.
We’ll prioritize your debt payments based on the payoff strategy to ensure you stay on track.
Get your own debt payoff schedule to see how many payment cycles are left until your debt-free date.
Adjust the payoff budget to see how your strategy changes. Apply a new budget to become debt-free faster.
Wondering how long it'll actually take to get out of debt — or how much interest you're quietly hemorrhaging every month? Plug your numbers into our free snowball and avalanche debt payoff calculators and find out in seconds. You can compare both strategies side by side, mess around with different monthly payment amounts, and see exactly how an extra $50 or $100 a month changes your payoff date. No sign-up, no credit card, no catch — just a straightforward look at where you stand and what it'll take to get to zero.
Enter your balances and budget, and PocketGuard instantly shows you exactly when you'll be debt-free — so the finish line is visible from day one.
Add every account in one place — credit cards, loans, and more. No more juggling spreadsheets or losing track of which debt to tackle next.
Got an extra $50 this month? Slide the budget up and watch your payoff date move closer in real time. Full control, zero math required.
Your debt payments aren't separate from your budget — they're part of it. PocketGuard makes sure your repayments are always realistic and affordable.
Your payoff schedule updates automatically as you make payments, so you always know exactly where you stand and what comes next.
APR, minimum payments, promotional rates, forbearance periods — just enter the details once and let PocketGuard do the calculating.
Having four different kinds of debt, I was completely unsure about how to go about clearing the debts. With the help of PocketGuard's Debt Payoff Plan, I was able to visualize how to go about clearing my debt, including which one to clear first, the amount to pay, and when. That date on the screen was the motivation I didn't know I needed.
Jessica M.
I love that I can adjust my monthly budget and instantly see how it changes my payoff timeline. Threw an extra $150 at it last month and shaved off three months. Game changer for staying motivated.
Derek T.
Finally a plan that's built around what I can actually afford. It pulled in all my accounts, I picked the avalanche strategy, and it just… figured everything out. I've been debt-free for two months now, and it started right here.
Rachel S.
“PocketGuard is highly automated, which means it requires less time and effort than many competing apps do. You'll be able to set up your account in just a few clicks.”
“The app’s easy-to-use interface, accessible pricing structure, spending alerts and recommendations make it excellent for improving your finances. That’s why it earned a spot on Forbes Advisors’ Best Budgeting Apps.”
A debt payoff plan is a debt repayment schedule that details what, how much, and when to pay off each debt until the balances are eliminated. It is designed with your monthly budget and a selected strategy and becomes a predictable repayment process instead of a guess.
Using a calculator, you can get numbers: totals, dates, interest. However, a complete debt payoff plan goes beyond that – it prioritizes your accounts, fits them into your budget, and provides you with monthly tracking. One is a snapshot, the other is a system that is on-going.
If you need motivation and early successes, select snowball, which will remove the smallest balances first. If it is important to minimise total interest they are paying, then choose avalanche, which will pay off the highest APR first. Both work; the one you will stick with is the best.
That's starting with paying off all minimum payments, which is a no-brainer. Then add any money that is left over in your budget. Make an extra payment on the debt with the highest interest rate, cut unneeded expenses, and don't add on new debt – even a little extra here and there can have a significant impact on your time frame. PocketGuard displays the effect of every budget change as they go.
In either case, your payoff date gets further away and the amount of interest you pay rises. Avoid penalties and harm a credit score by simply making the minimum payment. Your repayment schedule will also automatically be updated in PocketGuard, and you get to adjust your budget without having to start all over again.
The 50/30/20 rule divides your net income into 3 categories – 50% goes to your needs, 30% to your wants, and 20% to your savings and debt. That 20% is the place to make some solid advancement – hopefully more than just the minimum payment due on your most critical balance.
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Pick a strategy, set your payoff budget, and see your exact debt-free date – real, exact, and finally within reach, with payments built right into your monthly plan. Everything you need to manage your money lives in one app.
