Built by a regular guy who got tired of feeling lost in his own debt.

Debt has a funny way of sneaking up on you. A car payment here. A credit card there. A couple of unexpected home repairs and a family trip you didn't want to skip — and suddenly you find yourself staring at a number that's a lot more uncomfortable than you expected.

That's my story. My wife and I looked at our debt one day and realized it had quietly grown into something we needed to actually deal with. We weren't drowning, but we weren't in control either. We knew we wanted to attack it — together, intentionally — but the hard part was figuring out how. How much extra could we realistically put toward debt each month? Which debt should we tackle first? And honestly, how long was this actually going to take?

The snowball method made sense to us immediately. Start with the smallest balance, knock it out, roll that payment into the next one, and build momentum. Simple in concept. But actually seeing it — month by month, debt by debt — was harder to get to than it should have been.

"The tools that gave real visibility cost a real monthly fee. The free ones felt like they were built for accountant-types who only care about numbers."

I'm a developer by trade, so I did what developers do — I built something. At first it was just for us. A way to plug in our debts, set an extra monthly payment, and actually see the plan laid out. Watch the balances drop. Know the exact month we'd be done. I wanted my wife to be able to open it on her phone and feel motivated, not confused.

The more I built it, the more I thought: other people probably have this same problem. So I cleaned it up, added cloud sync so it works across devices, and put it out in the world. I charge a small amount for the Pro features because this thing takes time to maintain and improve — but the core calculator is free and always will be.

I'm still using it for our own debt payoff plan right now. Every feature I add is something I either needed myself or heard from someone who did. This isn't a faceless SaaS product — it's a tool I genuinely care about, built for people in exactly the situation I was in.

I'd love your feedback, and if this tool helps you — share it with a friend. Let me know how it goes. I'm rooting for you.