DebtForge
DebtForge shows you exactly where you stand, builds your personalised payoff plan, and tracks you all the way to your projected debt-free date. No spreadsheets. No judgement.
Free forever plan · No card for free · Trial: 7 days free, then $14.99/mo — cancel anytime
Projected debt-free
Mar 2027
32 months · Avalanche strategy
Projected interest saved
$0
Projected balance
32
months left
4
debts
On track
vs plan
MAR 2027
14 months ahead of schedule
You're not alone
You've felt your stomach drop just opening a banking app.
You've made a payment and watched the balance barely move.
You've let a statement sit unopened, meaning to deal with it later.
None of that means you've failed. It just means no one ever handed you a plan. So we built you one — clear, calm, and yours. One step at a time, starting today.
Sound familiar?
You don't lack discipline. You lack clarity.
✕ RIGHT NOW
Multiple accounts
No unified overview, you're flying blind
Hidden spending
Leaks you don't see draining you monthly
No clear plan
So you guess, overthink, and do nothing
Still growing without a plan
■ WITH DEBTFORGE
Everything in one system
All debts, all data — one clear picture
Waste identified instantly
See exactly where your money is going
A personalised plan
Input → output → done. Follow the system
Growing every month
The toolkit
Each tool does the hard part for you. No spreadsheets, no guessing — just the next clear step.
See every debt in one place — balances, interest rates, and your total interest cost. Your debt-to-income ratio and what's really left each month, calculated instantly. Clarity from minute one.
Total debt
$28,200
Min / mo
$620
DTI ratio
18%4 active debts
Credit Card
Credit card · 22% APR
$4,200
Personal Loan
Personal loan · 11.9% APR
$3,500
Car Loan
Auto loan · 6.5% APR
$8,100
Student Loan
Student loan · 4.2% APR
$12,400
We rank your debts by how much interest they quietly cost you, so you can see which one is costing you the most — and why it matters.
Credit Card
22% APR · highest interest cost
$77
/mo in interest
Ranked by interest cost
Your personalised plan — avalanche or snowball — with a projected, dated debt-free finish line and the interest you could save versus paying minimums.
Projected debt-free
Mar 2027
in 32 months · Avalanche strategy
Projected interest saved
$3,140
vs minimums only
Attack in this order
Log each month in seconds and watch your balances change. Every entry updates your projected debt-free date — and shows you whether you're ahead of schedule.
Paid off so far
$8,660
Balance over time
Set simple spending rules, see your biggest risk category, and build a streak of months where you held the line — the habits that make it stick.
This month's rule
Dining out — keep under $150
Held the line
3-month streakBiggest risk category: Dining out. Set a rule, keep your momentum.
Simple by design
Three steps. That's the whole thing — you bring the numbers, the system does the rest.
Add your debts, income, and monthly expenses in minutes. No financial knowledge required.
Projected debt-free
Mar 2027
Projected interest saved: $3,140
DebtForge automatically creates your personalised payoff plan and projects an estimated debt-free date.
Track progress monthly, stay consistent, and watch your projected debt-free date update every cycle.
Built-in AI
DebtForge has AI woven through every tool — to capture your debts, find money to redirect, and answer your questions in plain English. Calm, judgement-free help, right when you need it.
Built into every page. Ask Forge anything about your debts and get a calm, clear answer — never a lecture.
Snap a bank statement or just describe your debts in plain English — AI reads the balances, rates and minimums and fills them in for you.
AI looks over your outgoings and points out where you could free up cash to throw at your debt — no spreadsheet archaeology required.
Tell it the spending that trips you up and AI drafts a simple, personalised rule to help you hold the line each month.
Confused by a number? Ask. Forge explains exactly what it means for you — and surfaces what matters most on your dashboard.
AI features keep your data private — personal details are stripped before anything is analysed.
Simple pricing
The Free plan is genuinely useful on its own. Paid plans unlock your full payoff plan, both strategies, and forecasting.
Free
Show me my problem
No card needed
Basic
Organise the whole picture
Founder rate, locked for life
Pro
Build your full payoff plan
Founder rate, locked for life
Premium
Build habits that stick
7 days free, then $14.99/mo
Founder pricing — lock in today's rate for life. At full launch, prices are expected to rise (Basic $9.99, Pro $14.99, Premium $29.99). Cancel anytime.
Questions
DebtForge is an online educational debt-payoff toolkit. It shows you exactly where you stand across all your debts, builds a personalised payoff plan using the well-known avalanche or snowball methods, and tracks your progress toward a projected debt-free date. It's a clarity and planning tool — not debt advice, not debt management, and not a loan.
Yes. The Free plan lets you enter all your debts, see your total interest cost and debt-to-income ratio, find your single most expensive debt, get a rough debt-free estimate, log payments, and set one spending rule — with no credit card required. Paid plans (from $4.99/mo) unlock the full payoff plan, both strategies, charts and forecasting.
You can try the full Premium plan free for 7 days (first-time subscribers). You enter a card when you start, but you're charged $0 during the trial. After 7 days, Premium automatically continues at $14.99/mo unless you cancel first. We email you reminders 3 days and 1 day before the trial ends, and you can cancel any time with no penalty.
Yes — if you don't cancel before your 7-day Premium trial ends, your card is automatically charged $14.99/mo and your Premium access continues. We send reminder emails 3 days and 1 day before that happens so there are no surprises, and cancelling takes a couple of clicks.
The avalanche method pays off the debt with the highest interest rate first, which typically means the least interest paid overall. The snowball method pays off the smallest balance first, which gives you quicker wins and motivation. DebtForge calculates both for the debts you enter so you can compare them and choose the path that fits you.
Yes. Your data is encrypted, stored securely, and never sold. DebtForge is built privacy-first: we strip personal identifiers before any data is used by our AI features, and you can delete your account and data at any time.
No. DebtForge does not require linking your bank. You enter your debts yourself (a bank-statement assist can speed this up), so you stay fully in control of what you share. There's no open-banking connection and no access to move your money.
You don't need everything perfectly to start. For each debt you really only need three things — the current balance, the interest rate (APR), and the minimum monthly payment — and they're all on your most recent statement or inside your bank or lender's app or website. If you'd rather not dig through it, DebtForge's bank-statement assist can read a statement and fill the details in for you. And if you're still unsure, enter a rough estimate now and refine it anytime — even approximate numbers give you a clear picture to act on.
Yes. There are no lock-in contracts. You can cancel a paid plan or a trial at any time from your account, and you'll keep access until the end of the period you've already paid for. New subscriptions also come with a 7-day money-back guarantee — email us within 7 days of your first charge for a full refund.
Start free in a couple of minutes. See where you stand, build your plan, and take the first clear step today.
Trial: 7 days free, then $14.99/mo — cancel anytime
Not ready yet? Get launch updates and tips by email.
