Real math on your actual numbers — your income, every debt, every rate. We calculate your specific month and year. No estimates. No averages.
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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.
Paying only the minimum on a $6,000 card at 22% APR keeps you in debt for 29 years and costs $12K+ in interest.
Every day you don't act, interest compounds. Most tools ignore daily accrual and give you a rough monthly estimate.
Mint and YNAB categorize your spending. Neither tells you what month you'll be debt-free or why.
The "snowball" feels good but costs more. We route every extra dollar to the debt with the highest real cost.
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 surplus is routed to the highest-impact debt first. Every raise, bonus, or tax refund you add recalculates the date in real time. One screen, one clear next action — every single day.
I had four cards and a car loan and no idea where to start. Route My Money told me October 2028. I see that date every morning and suddenly every small decision matters.
YNAB showed me where my money went. This shows me where it's going. When my wife got a raise I added it and watched our payoff jump 14 months closer.
The snowball method had me paying off the wrong card. Switched to Route My Money's strategy and I'll save $4,200 in interest. Math doesn't lie.
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Get a real debt-free date with the core engine. Manual entry, no bank connection.
Start freeThe full live engine. Recalculates as life changes. For real households with real debt mixes.
Start 7-day free trialEverything in Pro, plus the automation features rolling out as they ship in 2026.
Start 7-day free trialDaily-interest debt math. Transparent monthly pricing. No upfront fees.
Five minutes to enter your numbers. One exact date. A daily plan that moves as your life moves.
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