A free debt payoff calculator and budget tracker built for people who just want a clear picture of where they stand. See exactly when you'll be debt-free and how much interest you'll save — no account numbers, no bank logins, no personal data required.
Free forever. No payment required.
Get Started FreeSnowball, avalanche, or build your own custom order. See exactly how long it takes and how much interest you save with each approach.
Enter your income sources and monthly expenses to get a clear picture of your actual cash flow and how much you can put toward debt.
Watch your debt balances fall over time on a visual timeline. Toggle individual debts to see how each one gets paid off.
See your projected debt-free date, total interest paid, and how extra payments change the outcome.
Generate a clean summary report of your full financial picture to save or share with a financial advisor.
Invite a partner, spouse, or advisor to view or collaborate on your dashboard with a simple invite code.
This tool was built because every debt calculator online was either locked behind a paywall or wanted personal information that had nothing to do with running the math. Financial Control Center is completely free, requires no account numbers, no bank logins, and no personal data — just the numbers that matter for your plan.
The only revenue this app generates is from Google AdSense ads. No subscriptions, no premium tiers, no data selling.
To calculate your payoff plan, we only need balances, interest rates, and minimum payments. We will never ask for:
Create a free account and have a complete debt payoff plan in minutes.
Get Started FreeFree forever. No payment required.