Take the guesswork out of getting debt-free.
Your bills, income, and debts become a clear, automated payoff plan — private, and 100% on your device.
No signup, nothing to install. Play with a real plan first — buy only if it clicks.
Everything you need to get out of debt
One simple tool that replaces a tangle of spreadsheets, calculators, and guesswork.
Your exact debt-free date
Know the real month you'll be free — not a vague "someday."
Automatic money flow
Your paycheck routes itself: savings → bills → spending, all on autopilot.
Smartest payoff order
Compare cash-flow, avalanche, and snowball strategies side by side.
Debt snapshot dashboard
Total debt, monthly surplus, interest left, and your credit-score trend at a glance.
Step-by-step automation
A 5-phase checklist with your real transfer amounts filled in for you.
100% private
Your numbers stay on your device. No account, no cloud, no bank connection, no data selling.
From overwhelmed to a plan in 10 minutes
No finance degree required. If you can fill in a few boxes, you can do this.
Enter your numbers
Your take-home pay, monthly bills, and each debt — balance, rate, and payment.
Get your plan
Instantly see your debt-free date, the smartest payoff order, and your money-flow map.
Put it on autopilot
Follow the automation steps — with your exact transfer amounts — and let your money run itself.
Then it tells you if you’re still on track
Most spreadsheets die the same way: they ask you to re-type your whole life every month, so you stop opening them. This app does the typing for you.
Your balances, pre-filled
Every debt shows up with the balance your plan projected for this month. Open your bank, fix anything that doesn’t match. On plan? Change nothing.
It skips what didn’t change
Rent, phone, insurance, streaming — they didn’t move, so it never asks. Only the bills you flagged as variable come up.
You learn where you stand
Still on track, months earlier, or months later — and the exact dollars you’re ahead or behind. Pay a debt off and it rolls that payment straight into the next one.
One payment. Done. No subscription.
Because getting out of debt shouldn't cost you more debt.
- Lifetime access to the full app
- Your debt-free date & payoff strategy
- Automated money-flow plan
- Step-by-step automation guide
- Works on every device, 100% private
- No subscription, no account, no upsells
Secure one-time checkout via Gumroad.
Prefer to look first? Try the live demo →
Your one-time $29 unlocks the full app — no subscription, no hidden fees, ever. It also helps cover our hosting and domain costs so we can keep the lights on without cluttering the app with annoying third-party ads.
By purchasing you agree to our Terms of Service and Privacy Policy.
Questions, answered
Is it really just $29?
Yes — a one-time $29. There's no subscription and no hidden fees.
Do I need to create an account?
No. There's no signup. Your plan is saved privately in your own browser, on your device.
Is my financial data safe?
Yes. Everything you enter stays on your device — nothing is uploaded to any server. You can export a backup file to move your plan between devices.
Do I have to re-enter everything every month?
No — that’s the fastest way to make someone quit. Your fixed bills stay put. Once a month, the check-in shows each debt already filled in with the balance your plan projected; you confirm it or correct it, and the app tells you whether your debt-free date moved. For most people that’s a handful of numbers, not a re-entry.
Does it work on my phone?
Absolutely. Dollar Debt Plan is fully responsive and works on phones, tablets, and computers.
What exactly do I get for $29?
Lifetime access to the full app: your debt-free date, payoff strategy comparison, automated money-flow plan, a step-by-step automation guide, and a private dashboard.
Where do I find my license key?
Your key is shown on your Gumroad receipt and download page right after you buy. Lost it? You can retrieve it anytime — no account needed — at gumroad.com/license-key-lookup using your purchase email. Paste it at dollardebtplan.com/app.html to unlock. Note: if the order was placed as a gift, the key goes to the recipient's email, not the buyer's receipt.
Is this financial advice?
No. It's an educational planning tool that helps you organize your own numbers and see your options clearly. It is not financial advice.
Your debt-free date is one payment away.
Stop guessing. Get the plan, automate it, and watch the balance fall.
Get debt-free now →