Know the exact date you'll be debt-free.
Debt Bestie creates your personalized payoff plan in 5 minutes. See how much interest you'll save — no credit card required.
Start free — no credit card required. 14-day full access trial, then choose a plan or keep the free tier.
Every payoff plan needs a bestie.
Everything you need to crush your debt
Smart Payoff Engine
Month-by-month plan using snowball, avalanche, or hybrid strategies. Know exactly what to pay and when.
What-If Simulator
See the ripple effect before making financial moves. Test lump sums, extra payments, or new debt scenarios.
Credit Score Roadmap
Understand what impacts your score and get a personalized action plan to improve it.
Goal Planning
House, car, vacation, quitting your 9-5 — see how every goal fits with your debt payoff plan.
Everything they charge $4,000 for. Starting at $9.99.
| Feature | Debt Bestie | Money Max Account | YNAB | Undebt.it |
|---|---|---|---|---|
| Debt Payoff Engine | ||||
| What-If Simulator | ||||
| Credit Score Tools | ||||
| Goal Planning | ||||
| HELOC Strategy | ||||
| Bank Linking | Coming soon | |||
| Price | From $9.99/mo | $4,000+ | $15/mo | Free / Donations |
Three steps. Five minutes. Your plan.
- 1
Enter your debts
Credit cards, loans, mortgage — add everything or just what you want to focus on.
- 2
Pick your strategy
Snowball for motivation, avalanche for savings, or let Debt Bestie optimize for you.
- 3
Watch the plan work
See your debt-free date, track progress, and simulate what-if scenarios.
Simple pricing. Real results.
Start free — no credit card required. 14-day full access trial, then choose a plan or keep the free tier.
Free
See where you stand
- Dashboard (basic view)
- Add, edit & import debts
- Basic strategy comparison (Snowball vs Avalanche)
Starter
Build your payoff plan
- Everything in Free
- Full payoff engine + debt-free date
- Month-by-month payoff schedule
- Debt detail pages with charts
- Bill Calendar with cash flow
- Budget section
- Payment logging
- Debt import from spreadsheet
Pro
Go deeper. Plan your future.
- Everything in Starter
- What-If Simulator
- Credit Score Roadmap
- Got Extra Cash allocator
- PDF export
Pro+
Wealth-building unlock
- Everything in Pro
- Goal Planners
- Should I Quit My 9-5 Calculator
- HELOC / Velocity Banking module
- Smart Transfer Recommendations
- Wealth Builder
Join thousands of besties taking control of their finances
"We're collecting stories from our founding besties. Your story could be here — start your free trial today."
Your debt has an expiration date. Let's find it.
Start free — no credit card required. 14-day full access trial, then choose a plan or keep the free tier.
Every payoff plan needs a bestie.