For the nights you lie awake doing the math — and the mornings you're ready to give something up to be done with it. One honest mission at a time, with someone making sure you follow through.
Free to start · No credit card required · On iOS
The part no calculator shows
If any of that is you: you're not careless, and you're not alone. You're exactly who debtbrak is built for.
Why it feels like you can't win
in interest on an $8,000 balance at 28% APR —
even if you never charge another dollar
Illustrative minimum-payment breakdown
It's not that you're bad with money. You're carrying two cards, a loan, and a car payment, paying every minimum on time — and still watching interest swallow the progress. That's the weight that follows you to bed.
The day this ends
Connect your cards, loans, and paycheck and the fog lifts — three real ways out, each with a projected final-payment date and estimated interest cost. You choose how fast. We stay in it with you.
Before your first move, debtbrak also shows the last 90 days of attributable card payments beside new card spending, with the connected-card and history coverage shown plainly. It is evidence, not a discipline score.
One move at a time
No spreadsheets. No 12-step plan to stare at at midnight. Just the one move that matters this week — the payment that buys back the most freedom without leaving you short before payday. You see what it gives you — days off the clock, dollars saved — before you say yes.
You're not doing this alone
Saying you'll pay it down is easy. Seeing the payment post is what turns a promise into connected evidence. On a connected debt, a move is not verified until activity shows the payment landed on the intended account. Progress on a manual debt stays clearly labeled as self-reported.
We reconcile posted activity with principal change, new spending, and interest so the result stays honest even when the displayed balance moves differently.
The Map explains what it is waiting for, when the last transaction sync succeeded, and whether checking again or reconnecting can change the result. Material updates lead back to the matching route state — no generic comeback notifications.
Your move
Picture the month the payments finally stop. That's the whole point. Start today and see your first verified payment land.
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