Plain English
What DebtForge is —
and what it isn't.
Last updated: July 2026
DebtForge is an educational tool only — not debt advice or debt management. It is also not credit repair, and not a financial product of any kind.
DebtForge is an educational planning and tracking tool for people who want to understand their own debt. You enter your own numbers — your balances, interest rates, minimum payments, income, and monthly essentials — and DebtForge turns them into a clear educational picture: what each debt is really costing you, how the standard textbook payoff methods (avalanche and snowball) would sequence your debts, and how the numbers change as you record your payments.
Everything DebtForge shows you is calculated from the data you enter, using deterministic, tested math — the same formulas you could work out on paper, just faster. Think of it as a textbook with a calculator attached: it teaches you how the well-known payoff methods work using your own numbers instead of someone else's example. It never acts on your behalf, it never tells you what to do with your money, and every decision about your debts stays entirely yours.
What DebtForge does
Organizes the numbers you enter
Your income, essential outgoings, and each debt's balance, interest rate, and minimum payment — entered by you, in one place.
Shows what each debt really costs
Ranks your debts by estimated total interest cost, so you can learn where minimum payments send the most money to lenders. It's a lesson in how interest works — applied to your numbers.
Demonstrates the textbook payoff methods
Shows how the two standard, publicly documented methods — avalanche and snowball — would sequence your debts, with a projected debt-free date for each, so you can study how they work with your own numbers. Which method to follow, or whether to follow one at all, is your decision.
Tracks your progress month by month
You log the payments you chose to make; DebtForge recalculates the picture — balances, streaks, and milestones — so you can see the effect of your own decisions over time.
Helps you spot spending patterns
A guided self-audit to identify the habit creating new debt, and a personal rule you write to break the cycle.
Explains concepts in plain language
General educational explanations of the numbers on your screen — what interest is costing you, why a method places one debt ahead of another, what a projection is based on.
What DebtForge never does
These are hard boundaries, not fine print. They define the product.
Give financial, legal, or tax advice
Everything in DebtForge — including the AI assistant — is general educational information, not advice for your specific situation. DebtForge shows you how the math works; it never recommends what you personally should do.
Contact or negotiate with your creditors
DebtForge never communicates with lenders, collectors, or anyone else on your behalf. No one but you ever acts on your debts.
Manage, settle, or consolidate your debt
DebtForge is not a debt management plan, debt settlement service, or consolidation product. Your accounts stay entirely under your control.
Repair credit or dispute credit reports
DebtForge never accesses your credit report, files disputes, or makes any claim about improving your credit score or history.
Lend money or offer credit
DebtForge is not a loan, a line of credit, or a referral service for either. We will never offer you a financial product.
Touch or move your money
DebtForge doesn't connect to your bank account and never makes a payment for you. Every payment is made by you, directly to your lenders, outside the app.
Charge fees tied to outcomes
Pricing is a flat monthly subscription you can cancel anytime. We never take a percentage of debt reduced, savings, or any other result.
About the AI assistant
Some DebtForge features use AI — to make entering data conversational, to explain a number in your plan, or to draft a spending rule you can edit. The AI provides general planning and educational information only. It never performs your financial calculations (those are done by deterministic, tested code), never makes decisions for you, and is not a financial adviser.
For decisions about your specific situation, always consult a qualified, regulated financial professional.
Your projections are estimates
Payoff dates, interest costs, and savings shown in DebtForge are educational estimates based only on the numbers you enter, using simplified models. Real-world results will differ — interest rates change, lenders calculate interest in different ways, and life happens. DebtForge exists to help you understand and plan, not to promise an outcome.
Who's behind DebtForge
DebtForge is built and operated by OP Solutions Ltd, a company incorporated in the United Kingdom. Questions about anything on this page — or about whether DebtForge is right for you — are welcome at debtforge@opsols.net.
For the full legal picture, see our Terms of Service and Privacy Policy.