Live now — 14-day free trial

Finally know the exact day you'll be debt-free.

Real math on your actual numbers — your income, every debt, every rate. We calculate your specific month and year. No estimates. No averages.

Start Free Trial — 14 Days →
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Route My Money dashboard showing your debt-free date and personalized plan
$104K
Average U.S. household debt
Source: Experian, 2023
7+ yrs
Faster payoff with a plan
vs. minimum payments only
Daily
Live recalculation
Your date moves as life changes
🔒 Your data is never sold · ✓ No bank connection required · ✓ 14-day free trial, no credit card · ✓ Works for any currency
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

Mint 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

Guided setup. One exact date.

Walk through a short guided flow — income, debts, bills, and budget — then see your specific debt-free month. About 10 minutes. No bank connection required.

01 Guided setup — 6 short sections

Walk through the numbers. One at a time.

A short, skippable flow. No bank credentials needed. About 10 minutes total:

  • Income — paychecks, freelance, side gigs
  • Bank Accounts — checking, savings, HYSA
  • Debts — credit cards, loans, mortgages
  • Bills & Expenses — recurring costs
  • Budget — pick the strategy that fits your life
  • Zero Date — your debt-free month appears
Route My Money Debts tab listing each debt with balance, APR, and minimum payment
02 Get your Zero Date

See your exact debt-free month — and a live daily plan.

The moment setup is complete, your Zero Date appears. Your surplus is routed to the highest-impact debt first. Every raise, bonus, or tax refund you add recalculates the date in real time.

Route My Money Action Plan dashboard showing the Zero Date and monthly budget
From early users

A date changes everything.

★★★★★

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.

MR
Marcus R.
Customer Success Manager
★★★★★

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.

SL
Sofía L.
Nurse practitioner
★★★★★

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.

DK
Derek K.
Small business owner
Pricing

Less than your daily coffee.

Every plan includes the 14-day free trial. Cancel anytime.

Monthly
Annual Save 20%
Manual
$4.99 /month

For DIYers who want the math done right.

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Unlimited debts and accounts
Daily debt-free date recalculation
Optimal payoff routing
Export to CSV / PDF
Family
$17.99 /month

Shared plans and visibility for couples.

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Everything in Auto
Up to 4 synced accounts
Joint goals and milestones
Priority support
The average Route My Money user saves $2,400+ in interest and pays off debt 3–7 years sooner — for the cost of one coffee a week.
FAQ

Answers to the things everyone asks.

No. Route My Money never asks for bank credentials. You enter balances and interest rates manually — most people finish in five minutes using statements from their existing apps.
Those tools categorize past spending. Route My Money solves forward: given your debts, rates, and surplus, what specific month are you debt-free — and where should the next dollar go? It's complementary to any budgeting tool you already use.
Avalanche always wins on math. But Route My Money goes further — it uses daily-interest velocity routing to move your surplus where it saves the most, which often beats both named methods on your real numbers.
If you do nothing, your trial expires and you won't be charged — no credit card is required to start. If you've picked a plan, billing begins on day 15. Cancel anytime from your account page.
Your data is encrypted in transit and at rest on Supabase-backed infrastructure. We never sell data, never share it with advertisers, and you can export or delete everything from your account at any time.
Your date is waiting

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 — 14 Days →
14-day free trial · No credit card required · Log in