Hey PH! 👋 Maker of DebtHero here. The honest origin story: I was staring at six different debts — credit cards, a car loan, a personal loan — and had no idea which to pay off first or when I'd ever be free of them. I opened three different apps. Two wanted $10/month. One was so cluttered I gave up. So I built the thing I actually needed. The core problem I wanted to solve wasn't just tracking debt — it's the psychological weight of not knowing. The moment you see a real date ("you'll be debt-free by March 2027") everything shifts. That clarity is what DebtHero is built around. The approach evolved a lot. I originally built it purely as a Snowball calculator. Then I kept asking: what decision does a user need to make next? That question pushed me toward the Snowball vs. Avalanche comparison, then the goal-date calculator ("what if I want to be free by Christmas?"), and eventually the milestone celebrations — because the payoff journey is long, and people need wins along the way. The thing I'm most proud of: it's a one-time $4.99 to unlock everything. No subscription. I'm so tired of being nickel-and-dimed for tools that help me manage my own money. Would love your feedback — especially from anyone actively paying off debt. What would make this indispensable to your journey? 🙏

DebtHero

Debt Payoff Calculator

Debt Payoff Calculator