A debt payoff planner built around your next decision

Know what to pay next. See when debt could be gone.

DetoxMyDebt turns your loans, income, regular costs, and recorded spending into a practical payoff roadmap, then explains the next step in plain language.

Build my payoff plan See a sample plan

7 days free
No payment details to start
No bank connection required

My payoff roadmap

Illustrative sample

Recommended for these inputs

Avalanche

Put the available extra payment toward Credit card, the highest-cost balance in this sample.

Next payment105,000 AMDMinimum plus selected extra

Estimated debt-free in18 months

Estimated interest + fees493,831 AMD

Test an extra monthly payment

Sample output calculated by the current DetoxMyDebt payoff engine. Estimates assume no new borrowing and monthly cost accrual; lender calculations can differ.

From uncertainty to a next step

Balances show what you owe. A plan shows what to do.

What comes first? Compare high-cost-first and smallest-balance-first strategies.

Is extra affordable? Account for income, regular costs, minimums, and a safety reserve.

Is it working? Record payments and follow the projected balance month by month.

How it works

Start with what is true today.

You can begin with one debt and improve the estimate as you add more detail.

01
Add your current numbers
Record balances, rates, service fees, minimums, income, regular expenses, and cash on hand.
02
Compare realistic paths
Test avalanche, snowball, custom order, and exact extra-payment scenarios using the same inputs.
03
Follow one clear next action
Save your roadmap, record payments, watch milestones move, and ask the Coach to explain the trade-offs.

The debt roadmap

See the trade-off before changing your payment.

DetoxMyDebt models each balance month by month. Adjust the extra payment and see the estimated payoff order, commitment, borrowing cost, and time remaining change together.

Avalanche, snowball, and custom priority
Interest and service fees modeled separately
Warnings when payments may not reduce a balance
Assumptions shown beside the estimate

Sample planPayoff milestones

3 debts

1
Credit cardHighest effective cost
Month 9
2
Vehicle loanPayment rolls forward
Month 15
3
Personal loanFinal balance
Month 18

Each cleared minimum is rolled into the next target in the sample avalanche plan.

Financial CoachGrounded in recorded data

What did I spend most on last month?

Dining was your largest recorded category at 84,500 AMD across 11 transactions. That is 18,200 AMD more than the month before.

What if I put 30,000 AMD less there toward debt?

In the current sample plan, adding 30,000 AMD monthly shortens the estimate from 26 to 21 months. I can prepare that plan change for you to review.

Proposed changeExtra debt payment: 0 → 30,000 AMD

AI that explains, not improvises

Ask questions about your records in plain language.

The optional Coach can analyze recorded spending, explain debt trade-offs, check a purchase against protected cash, and prepare updates. It asks for the data it needs instead of inventing activity.

You stay in control.Coach-proposed changes are never applied until you confirm them.

Debt decisions need day-to-day context

Protect the money needed before the next payday.

Your roadmap connects debt to the money moving around it, without pretending that scheduled income is a confirmed deposit.

Safe to spend today12,400 AMDAfter configured obligations and reserve

Upcoming cash check45 daysIncome timing and scheduled debt payments

Spending captureReview firstManual entry, receipt scan, or statement image

Why DetoxMyDebt

Move from “what happened?” to “what should I consider next?”

A typical trackerDetoxMyDebt

Shows a category totalConnects recorded spending to your saved payoff plan

Calculates one payoff dateCompares strategies and exact extra-payment scenarios

Treats every loan like APR-only debtTracks interest and service fees separately

Leaves charts for you to interpretSurfaces a next payment and explains why

Clear data boundaries

Your plan works without a bank connection.

Add only the records you choose. Your account data is scoped to your signed-in account, and you can permanently delete the account and its stored data.

AI Coach: Off until you consent. Relevant data is processed by Google Gemini only for the features you choose.
Receipt and statement scans: Images are processed by Google Gemini only when you choose a scan feature. Extracted transactions are shown for review before import.
Changes: Every Coach-proposed write is shown for confirmation before it is saved.
History controls: Clear Coach conversation history or revoke Coach consent from the app.
Account controls: Permanently delete your account and associated financial and Coach data.

Straightforward access

Try the complete product for 7 days.

No payment details are required to create an account. Subscription payments are handled through the DetoxMyDebt Telegram bot.

Debt roadmap and strategy comparison
Cash, income, expense, and spending tools
Optional AI Financial Coach
Web and Telegram access

Current price at checkout

Payment is handled in Telegram

Start my 7-day trialThe current price is confirmed before payment. You choose whether to subscribe after the trial.

Questions, answered plainly

Before you add your first debt.

Do I need to connect my bank?

No. DetoxMyDebt does not connect directly to bank accounts. Enter records manually, scan a receipt, or upload a statement image and review the extracted transactions before importing them.

Can I use it for several loans and credit cards?

Yes. You can record multiple debts with balances, APRs, service fees, minimum payments, and due dates, then compare avalanche, snowball, and custom repayment orders.

Are the payoff dates exact?

No. They are estimates based on the balances, rates, fees, and payment amounts you enter. Lender calculations, changing rates, new borrowing, and missed payments can change the result.

What does the AI Coach receive?

Coach stays off until you consent. When enabled, your message, up to 12 recent Coach turns, and the financial facts needed to answer are processed by Google Gemini. You can clear Coach history or revoke consent.

Can the Coach change my financial records?

It can prepare a proposed change and show you what would change. Nothing is saved until you confirm it.

Is DetoxMyDebt financial advice?

No. It is a financial planning and literacy tool. It does not replace a licensed financial, legal, tax, or investment professional.

Start with the debts you have today

Give every balance a place in one clear plan.

DetoxMyDebt will show what is known, what is missing, and which repayment paths your numbers support.

Build my payoff plan