FreedomPlan: Know Your Exact Debt-Free Date

Take control of your money with this printable and digital budget planner. Track expenses, calculate debt payoff, plan savings, and know your projected debt-free date. What it does: 🎯 Your exact Debt Freedom Date ❄️⛄ Snowball vs Avalanche comparison 💰 Budget tracker 📊 Interest saved calculator 💪 Extra payment simulator Two modes in one tool — budget tracking and debt payoff — both auto-saving to your browser as you go. No login. No subscription. HTML tool opens in any browser.

Hey Product Hunt 👋 I built FreedomPlan after realizing I paid off my last credit card without ever calculating the date it would happen. I was just "making payments" for two years, hoping. Turns out the date isn't a mystery — it's arithmetic. Balance, rate, minimum payment, extra payment, compounded monthly. The answer just falls out of the calculation. Almost nobody actually runs it because doing it by hand across multiple debts with different rates is tedious enough that it never happens. The feature I'm most proud of: it runs both the Snowball and Avalanche methods on your actual numbers simultaneously, so you see the real dollar difference — not just "Avalanche is mathematically better" in the abstract, but "Avalanche saves you $2,840 and finishes 4 months sooner" specifically. Would love feedback — especially if you've used other debt payoff tools and know what's missing here. And if you've got a debt payoff win of your own, I'd genuinely love to hear it in the comments. Thanks for checking it out 🙏

Love that it auto-saves and skips the login hassle. One thing that would really help me is the ability to split a single payment across multiple debts in the extra payment simulator, since sometimes I throw extra cash at two cards in the same month and want to see how that changes the payoff timeline.

The snowball vs avalanche comparison side by side is such a smart touch—makes a usually overwhelming decision feel instantly clear. Love that it auto-saves locally too, no signup friction.