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Know the exact day you're debt-free.

For households carrying real debt — credit cards, car loans, student loans, a mortgage. We run the actual math on your numbers and show the specific month and year. No estimates. No averages.

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$104K
Avg. U.S. household debt
7+ yrs
Faster payoff with a plan
Daily
Live recalculation

Figures illustrative. Average U.S. household debt per Experian; time saved depends on your balances, rates, and budget — your plan is calculated on your actual numbers, not these averages.

The real problem

Every other tool gets this wrong.

You're told to "pay more than the minimum" — but no one calculates how much more, or when that actually gets you to zero. Here's what you're fighting.

The minimum payment trap

Paying only the minimum on a $6,000 card at 22% APR keeps you in debt for 29 years and costs $12K+ in interest.

Silent interest drain

Every day you don't act, interest compounds. Most tools ignore daily accrual and give you a rough monthly estimate.

Budgeting tools don't solve payoff

Monarch and YNAB categorize your spending. Neither tells you what month you'll be debt-free or why.

Wrong debt paid first

The "snowball" feels good but costs more. We route every extra dollar to the debt with the highest real cost.

How it works

6 guided steps. One exact date.

A short, skippable flow. Around 30 minutes if you have your statements handy — less if you already know your balances. You can save progress and come back anytime. No bank credentials required.

Click any card to see exactly what you'll need for that step

✓ Your daily directive

Then one screen tells you exactly where the next dollar goes.

Your surplus routes to the highest-cost debt first — automatically. Add a raise, a bonus, or a tax refund and the date recalculates the same day. No spreadsheets, no guessing: one clear next action, every morning.

Updates daily as money moves Your real debt-free date — a projection on your pace

A specific month. Not "someday."

Every other tool hands you an average. We hand you a date — the exact month you make your last payment, with the interest you'll avoid getting there. It moves earlier every time you do.

See it on real numbers

Your plan, on numbers like these.

Every figure below is a U.S. national average (NY Fed, Experian, Freddie Mac). Drop in your own balances and rates and the date is yours — not an average.

Just starting out ~5 yrs to zero
Credit card22.3%$4,200
Used auto loan11.4%$24,500
Student loan6.39%$28,000
Total balance
$56,700
Projected debt-free
~2031
Almost there ~2 yrs to zero
Credit card22.3%$2,100
New auto loan6.56%$14,800
Total balance
$16,900
Projected debt-free
~2028
Peak-earning, peak-debt Mortgage-led
Mortgage6.5%$260,000
HELOC7.47%$45,000
Credit card22.3%$9,600
Total balance
$314,600
Routed first
Credit card
Squeezed by everything 5 debts
Mortgage6.5%$245,000
New auto loan6.56%$32,000
Credit card22.3%$11,500
Personal loan12.28%$11,700
Medical0%$2,500
Total balance
$302,700
Routed first
Credit card

Illustrative profiles built from national averages — debt-free dates are projections, not financial advice. Your real date is calculated on your own numbers.

What you can count on.

We're a new product earning trust one user at a time — so instead of reviews we haven't honestly earned yet, here's exactly how we treat you and your money.

We show the math, not opinions

Every number has a "how did we get this?" path. We show your options and what each one costs in real dollars — then the decision is yours.

Never financial advice

We don't tell you what to do. We model the trade-off and respect your call — the dream car, the vacation, or crushing a card first. Your money, your choice.

Your data is yours

No bank connection required to start, and we never sell your data. Run the entire plan on numbers you type in yourself — nothing leaves your control.

A note from the founder.

"Every debt tool I tried told me what to do with my money. None of them just showed me the math and trusted me to decide."

I'm not a financial advisor, and Route My Money will never pretend to be one. I built it because I wanted one honest number — the exact day I'd be debt-free — calculated on my real balances and rates, recalculated as life changed. Not an average. Not a lecture about my coffee.

So that's all this does: it shows your numbers, every option, and what each one costs you in real dollars — then it gets out of your way. Your money, your call.

Juan Torres
Founder, Route My Money
Pricing

Honest pricing. Cancel any time.

Pro includes a 7-day free trial — no credit card required to start.

The only live, daily-interest debt engine — a real Zero Date, not a snapshot.
Most popular
Pro
$79 /year
$120just $6.58/mo · about $0.22/day — save $41/year

The full live engine. Recalculates as life changes. For real households with real debt mixes.

Start 7-day free trial

After your 7-day trial, keep read-only access to your plan — subscribe any time to keep editing and routing.

Unlimited debts
All 4 payoff strategiesSnowball, Avalanche, AI-Optimized, Custom
Live debt-free date — recalculates as life changes
Monthly progress reports
Plan-a-Purchase scenarios
Credit Repair action plan
Coming 2026
Premium
$129 /year
$180just $10.75/mo · about $0.35/day — save $51

Everything in Pro, plus the automation features rolling out through 2026. Not available to buy yet — we'll announce it here when it's live.

Coming 2026

Founding price locks in at launch — Pro members get first access.

Everything in Pro, plus:
Plaid auto-sync (rolling out)
HELOC sweep referrals (rolling out)
Unlimited Ask AI (rolling out)
Priority email support (rolling out)
Cancel anytime. No phone calls, no retention maze.
Payments secured by Stripe · bank-grade encryption · we never see your card number

Compare plans at a glance

FeatureProPremium
Real debt-free date✓✓
Number of debtsUnlimitedUnlimited
Payoff strategiesAll 4All 4
Live recalculating Zero Date✓✓
Plan-a-Purchase & Credit Repair✓✓
Bank auto-sync (Plaid)—Coming 2026
Unlimited Ask AI & priority support—Coming 2026

Daily-interest debt math. Transparent monthly pricing. No upfront fees.

No. These are projections, not financial advice — past returns don't guarantee future results, and you decide where your money goes.
Those are monthly budgeting tools. We run a live, daily-interest payoff engine that gives you a real debt-free date — a Zero Date — and recalculates it as your money actually moves.
No. You can enter everything manually and get your full plan. Bank auto-sync is optional and rolling out — it never replaces your control.
Both. We show you each strategy side by side with the exact dollar difference, and you choose. We don't tell you what to do with your money.
No card to start. If you don't subscribe, your account becomes read-only — you keep seeing your plan and debt-free date, and editing and routing unlock again the moment you subscribe. If you continue, it's $9.99/mo or $79/yr.
Yes — anytime, right in the app. No phone call, no retention maze.
Your data is encrypted in transit and at rest on Supabase-backed infrastructure, and payments run through Stripe so we never see your card number. You can export or delete everything from your account at any time.

Stop guessing. Start knowing.

Five minutes to enter your numbers. One exact date. A daily plan that moves as your life moves.

Start free trial — 7 days →
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