Owe less every month. Until you owe nothing at all.
Weekly, biweekly, or monthly — OwedLess plans your payoff around when you actually get paid. Every payment drops the balance. Every dollar goes where it matters most.
No credit card. No bank connection. Just math.
Sample balance
$24,318
Illustrative payoff trajectory.
See the drop
Your balance, shrinking month by month, in plain numbers.
Pick your lane
Snowball, Avalanche, or your own order — whatever gets you there fastest.
No shame, no yelling
A calm tool that just moves the number.
One screen. Every number.
Every debt, every rate, every payment — in one place. No spreadsheets. No surprises.
Pick a lane. See the math.
Snowball, Avalanche, or your own order. Compare them side by side and see exactly when the balance hits zero.
Every payment drops the number.
Log a payment. The balance goes down. Watch the next milestone get closer month after month.
Run the numbers before you make the call.
Model an extra $100 a month. Compare a balance transfer. Simulate a consolidation loan. See what a missed payment actually costs. Try a rate change. All before you commit a dollar.
* What-If Lab is available on the OwedLess+ plan
Everything you need to move the number
Honest tools. Plain math. No noise.
Free, forever
Everyone gets these. Always.
All Your Debts, One Place
Credit cards, student loans, auto loans, medical bills — add them all and see the full picture instantly.
Pick Your Plan
Snowball, Avalanche, Free Up Cash, or your own custom order. Compare side by side and pick what works for you.
See Your Zero Date
Watch your balance drop month by month. Know the exact date the number hits zero.
Credit Utilization Tracker
See your credit card utilization at a glance and know exactly when you'll drop below 30% — the sweet spot for your credit score.
Track Your Progress
Log every payment, watch your milestones stack up, and see how far you've come with real data.
Celebrate & Share
When you pay off a debt, celebrate with a milestone card you can share with friends and family for accountability and motivation.
Your Data, Locked Down
Bank-level row isolation keeps your financial data private. We never share or sell your information.
OwedLess+ extras
Extra tools for people who want them. The core stays free.
What-If Lab
OwedLess+Test any scenario before you commit. Model extra payments, compare consolidation options, simulate a missed payment, or see how a rate change affects your timeline.
Debt Action Scripts
OwedLess+Get a personalized call script or action plan for every debt type — rate negotiation, balance disputes, IRS penalty abatement, refinance checklists, and more.
Calendar Payment Feed
OwedLess+Subscribe to your payment schedule in Google Calendar, Apple Calendar, or any app. Never miss a due date again.
Payment Reminders
OwedLess+Get email reminders 1, 2, 3, or 7 days before each payment is due. Pick the timing that works for you — never miss a due date.
Paycheck-Aligned Plans
OwedLess+Match your payment schedule to your paycheck — weekly, biweekly, or semi-monthly. Budget around real income, not arbitrary dates.
Three steps. Then the number drops.
Want a preview first? Run the free calculator — see your debt-free date in 30 seconds.
Add what you owe
Balances, rates, minimum payments. Type them in or import a CSV.
Pick your lane
Snowball, Avalanche, Free Up Cash, or your own order. See the math for each.
Log and watch it drop
Record every payment. The number goes down. You see exactly how much less you owe.
A note from the founder
Hey, I'm Brandon. Most debt tools either want your bank login or try to coach you. I wanted something that just does the math, calmly, and gets out of the way. So I built OwedLess.
The promise is small on purpose. Add your debts, pick a strategy, see the balance drop. No bank connections. No shame, no yelling.
There's a paid tier called OwedLess+ for people who want extra tools like the What-If Lab and payment reminders. The core is free and stays free. You'll see + features in the app, but they're never required to make the math work.
If you have an improvement or a feature you'd like to see, tell me.
Brandon, founder
OwedLess in your pocket
Log payments on the go, get milestone notifications, and watch your balance drop — right from your phone.
Coming soon on
App Store
Coming soon on
Google Play
Your balance goes down today.
Free to start. No credit card. No bank connection. Just math.