Downslope
Send your debt downhill. Record payments, run what-ifs, and watch the interest you save add up.
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Projected interest savings
$0.00
vs. paying the minimum only
Total remaining
$0.00
0% paid off
Debt-free date
—
add a debt to project

Track your monthly spending in Downslope Budget

Paycheck forecasting, recurring bills, AI briefings.

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Your debts

Check off a payment each month. Add extra to pay down faster.

Payoff strategies

Snowball = smallest balance first (motivation). Avalanche = highest APR first (least interest). Downslope shows you both.
$200

Get a personalized payoff strategy. See which debt to attack first, how much interest you're paying, and where extra payments help most.

Powered by Claude. This is the only feature that sends data off your device: your balances, rates, and payments go to Anthropic to generate the plan. We don't store any of it ourselves.

The picture

Total balance over time, and where every dollar goes.

Total balance over time

Principal vs. interest (current plan)

Which debt is the big one

    Where your money goes each month

    Plan for the unexpected

    Beyond the basics: track 0% promo deadlines, model a raise or windfall, and see your cash flow open up as debts clear.

    What-if scenarios

    Model a raise, a windfall, or a bonus. See the exact months and interest saved.

    Monthly cash flow

    As each debt clears, that minimum payment rolls forward into your pocket.
    Explain the math ↗ Why I built this ↗
    All calculations run entirely in your browser. No debt data is sent anywhere except when you use the AI game plan button, which sends an anonymized summary of your balances and rates to Anthropic to generate a response. No data is stored on our servers. Your debt data is saved in your browser's local storage, so clearing your browser cache will erase it. To avoid data loss, use the Export CSV button to back up your debts. Monthly interest = balance × (APR ÷ 12) for monthly compounding; daily and semiannual (Canadian) compounding are converted to an equivalent monthly rate. A debt marked 0% (no accruing interest) accrues zero interest, so every dollar goes to principal. This is a planning tool, not financial advice.

    Add a debt

    A few numbers from your statement, and we build the payoff schedule from there.

    0% (no accruing interest) for promo financing & interest-free debts
    M

    Import from Mint

    We found these accounts in your Mint export. Fill in the current balance, APR, and minimum payment for each one you want to import.

    Sync across devices

    Use your Finance key to access your debts on any device. Your data syncs through the cloud automatically.

    Auto-sync is active on this device.

    Your debts save to the cloud on every change.

    This device

    Join from another device

    Paste the link from your other device below to load its data here.
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    Downslope Pro

    A one-time unlock. The interest you save pays for it many times over.

    ⚡
    What-if scenario modeler
    See exactly what a raise, tax refund, or lump sum does to your payoff date and total interest — before you commit.
    📊
    Monthly cash-flow milestones
    See the month each debt clears and how much minimum payment it frees. A clear picture of the finish line.
    ✎
    Editable month-by-month schedule
    Override extra payments or APR for any future month — windfalls, rate changes, promo expirations.
    📅
    Promo APR expiration tracking
    Set the date your 0% deal ends and get a warning before deferred interest kicks in.
    🖨
    Printable report
    One click generates a clean, print-ready summary of every debt, your strategy, and your payoff timeline.
    ⇄
    CSV import & export
    Bring debts in from a spreadsheet and back them up any time.
    🤖
    AI payoff game plan
    Claude reads your numbers and writes a plain-English strategy personalised to your situation.
    FeatureFreePro
    Unlimited debt tracking✓✓
    Record payments & payoff dates✓✓
    Avalanche vs. snowball comparison✓✓
    Balance & interest charts✓✓
    Interest savings calculations✓✓
    Payment schedule (view)✓✓
    What-if scenario modeler—✓
    Monthly cash-flow milestones—✓
    Edit schedule month-by-month—✓
    Promo APR expiration tracking—✓
    Printable report—✓
    CSV import & export—✓
    AI payoff game plan—✓

    Have a license key? Enter it below to unlock Pro.

    Buy Pro · $14.99 →

    Price shown is a guide; the Store charges the price you set in Partner Center, in the customer's local currency. Planning tool, not financial advice.