Fill in your numbers. Our model builds your personal roadmap — exact payoff dates, exact interest saved, exact daily moves. No averages. No estimates. Your numbers.
Your Numbers
🔒 Runs entirely in your browser. Nothing saved yet.
Enter your numbers
and watch your route appear.
No averages. No guesses.
Your exact numbers.
The Real Problem
The minimum payment trap
Pay minimums on a $12,000 card at 22% APR and you'll be paying for 34+ years. Most people have no idea.
Interest is silently bleeding you
The average household pays $1,700/year in credit card interest alone — money gone with nothing to show for it.
Budgeting tools track spending — not debt payoff
Most financial apps are brilliant at categories and spending. But none of them tell you the exact month your debt ends — Route My Money does.
No one tells you which debt to pay first
Pay the wrong debt first and you cost yourself years. There's a right answer — and it depends on your specific numbers.
Route My Money
Enter your income and every debt once. We run the math — compounding interest, optimal payment routing, surplus allocation — and give you a real date. Then a daily Action Plan to hit it.
How It Works
No bank login. No guessing. Just your numbers, our math, and a plan that moves with your life.
Your monthly take-home pay. Monthly expenses. Every debt — balance, interest rate, and minimum payment. Credit cards, student loans, car, mortgage. We guide you through each field so nothing gets missed.
📝 Your Financial Profile
Debts
⚡ Choose Your Route
Zero Date
Mar 2028
Interest Saved
$9,200
Zero Date
Jun 2028
Interest Saved
$6,800
Avalanche attacks your highest interest rate first — mathematically saves the most money. Snowball clears your smallest balance first — keeps you motivated with quick wins. Custom lets you decide the order entirely.
💡 The difference between Avalanche and Snowball on a typical debt load? 3–4 months and $2,000–$5,000 in interest. We show you both, side by side, with your actual numbers.
Not a range. Not "approximately." A specific month and year — the day your last debt hits zero — calculated from your exact numbers using daily compounding interest math.
🎯 Your Zero Date
With Avalanche strategy
March 2028
↑ 2 yrs 4 mo earlier than minimum payments
Interest Saved
$9,200
Monthly Payment
$1,850
🔄 Plan Update Log
Tax refund routed: +$3,200
Applied to Credit Card (24.9%)
Income updated: +$400/mo raise
Surplus recalculated: $2,250/mo
Get a raise? Your date moves earlier. Log a tax refund or bonus? We route it to the highest-impact debt and recalculate instantly. Auto Route does this every day without you lifting a finger. Manual Route recalculates the moment you update your numbers.
Manual Route
You update your balances monthly. We recalculate your Zero Date instantly.
Auto Route ⚡
Daily automatic recalculation. Your plan is always current — no action needed.
Ready to see your Zero Date?
Takes about 10 minutes. No bank login. No credit card for the trial.
Start My Free Trial — 14 Days →Your Strategy. Your Choice.
Most people don't know these strategies exist. Picking the wrong one costs you years. Route My Money shows you both — then you decide.
Debt Snowball
Best for: Staying motivated
Pay minimums on everything. Throw every extra dollar at your smallest balance first. When it's gone, that payment rolls into the next one — building momentum like a snowball.
💡 Best if you need quick wins to stay on track. Seeing debts disappear one by one keeps you going.
Debt Avalanche
Best for: Saving the most money
Pay minimums on everything. Throw every extra dollar at your highest interest rate first. Mathematically optimal — you pay less total interest and get free faster.
💡 Best if you can stay disciplined. For a typical debt load, Avalanche saves $3,000–$8,000 vs. Snowball.
Route My Money shows you both strategies side by side with your real numbers. Pick the one that fits how you're wired.
Features
Not "you'll be debt-free in a few years." A real month. A real year. Based on your real numbers — updated every time something changes.
Stop wondering "should I pay extra this week?" Your plan tells you exactly which debt gets extra money today, and by how much, based on your strategy.
See exactly how much interest you'll pay on your current path — and how much you'll save by switching strategies or adding $100/month extra.
Both strategies modeled with your real debts. See which one makes you debt-free faster for your specific situation — and switch anytime.
See where your money is actually going each month. Route your surplus directly toward debt payoff — no separate app needed.
Before you buy something big on credit, see exactly how many months it adds to your debt-free date. Make the call with full information.
See The Math In Action
Illustrative scenarios based on real debt payoff calculations. Names are fictional.
Every situation is different. Your plan is built around your numbers — nobody else's.
Calculate My Zero Date — Free →Illustrative scenarios. Results depend on individual balances, rates, income, and payment consistency.
Pricing
Every plan starts with a 14-day free trial — full access, no credit card. Pay only when you're ready.
Manual Route
You update. We calculate.
$4.99
/mo
Billed monthly. Cancel anytime.
14 days free · No credit card
Family Route
Everyone in the household. One plan.
$17.99
/mo
Billed monthly. Cancel anytime.
Be first when Family launches
The real math
Auto Route costs 43¢/day. Your $10K credit card at 24.9% APR costs $6.82/day in interest.
3.4¢
cost per $1 of
daily interest saved
$9,200
avg. interest saved
with a payoff plan
110×
return on your
annual subscription
All plans include a 14-day free trial. No credit card. No commitment. Cancel before day 14 — you pay nothing.