Your numbers. Your plan.
Your privacy.
You bring the numbers. We provide the engine. DebtEngines gives you a professional-grade payoff plan with the privacy of a local spreadsheet — no bank connections, no credentials, no risk.
Built different. By design.
Zero Sensitive Data
No bank logins. No account numbers. No routing numbers. Use nicknames like "Blue Card" — nothing a hacker could use to drain your account.
Professional Payoff Plans
Avalanche and Snowball strategies, amortization schedules, and projected debt-free dates — the same tools financial advisors use, at a fraction of the cost.
Manual Entry is a Feature
When you type your balance yourself, you feel your debt. That psychological check-in keeps you accountable in a way no automated app can replicate.
Simple, honest pricing
Less than a cup of coffee a month. No surprises.
- Track up to 3 debts
- Manual payment recording
- Debt calculator
- Amortization schedules
- Payoff plan & strategies
- Unlimited debts
- Auto-record payments
- Upcoming payments dashboard
- Everything in Free
- Unlimited debts
- Payoff plan & strategies
- Avalanche & Snowball methods
- Auto-record payments
- Upcoming payments dashboard
- Priority support
What we store. What we never touch.
We store your name, email, debt nicknames, and the numbers you give us. We never store bank credentials, account numbers, routing numbers, or anything a hacker could use to drain your account. We don't sell your data. Ever.