Hi Product Hunt 👋 I built Money Reset because every debt payoff tool I tried was one of two bad options: a Google Sheet that breaks the moment you touch a formula, or an app that wants read access to my bank accounts before it'll tell me anything. What I wanted was simple — type in what I owe, and tell me when I'll be done. So that's what this is. You enter each balance, APR and minimum payment, and it runs a month-by-month simulation to give you: • a payoff date for every individual debt, and one for the whole plan • total interest you'll pay at your current rates • a snowball/avalanche toggle that reorders the plan instantly • an extra-payment slider so you can see exactly how many months $50 or $200 a month buys you • a budget tab where income minus expenses becomes your "free to attack debt" number A few deliberate choices: No account, no server. It's a single HTML file. Your numbers live in your browser's local storage and never leave your device — I have no way to see them, which is how I think a debt tracker should work. Works offline. Once you have the file, it runs from your desktop with no internet. Honest about limits: it assumes fixed APRs and no new borrowing, and doesn't model 0% promo periods or balance-transfer fees. It's a planning tool, not a financial advisor. The link above is the full demo — no signup, real working math. It caps at two debts; the complete version is $10 on Payhip. I'd genuinely love feedback on the simulation logic and on what's missing. What would make this actually useful for your situation?

Money Reset

See your debt free date in 60 seconds

See your debt free date in 60 seconds