The first step is knowing

Being in debt is hard. Getting out starts here.

Budgeting assumes the problem is your habits. Clearday assumes the problem is already behind you. You made a decision. This is just the math of getting there.

Find my clearday → See how it works

Free forever · No signup · Works offline

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How it works

Face it. Plan it. Pay it down.

No budget required. No habits to change. Just your debt, a strategy, and an honest look at the numbers.

Step 01
📅
Build your plan
Set your monthly commitment and choose a strategy — snowball or avalanche. Your Clearday Plan is ready before you've entered a single card.
Step 02
💳
Enter your cards
Balance, interest rate, monthly payment. That's all. No bank connection, no mandatory login. The plan updates the moment you save each card.
What it looks like

A real date. Not a vague "keep it up."

clearday — your debt payoff tracker
total remaining
$8,150
at current pace · avalanche strategy
Chase Sapphire
$4,200
22.99% APR
Citi Double Cash
$2,850
19.49% APR
Discover It
$1,100
17.24% APR
Features

Everything you need. Nothing you don't.

Built for people who are serious about getting out of debt — not people who want to track every coffee.

📊
Snowball & avalanche
Compare both strategies side by side. See which one gets you to clearday faster, and how much interest each approach saves.
🎯
Extra payment simulator
Drag a slider to see how much extra per month you'd need to pay to move your clearday by months or years. Real numbers, instantly.
✂️
What-if commitments
Name a spending cut — cancel Netflix, skip dining out — and see exactly what it does to your clearday. Save them as named commitments.
📈
Credit utilization tracking
Add your credit limits and see your overall utilization. Watch it drop as you pay down and get rough estimates of score impact.
☁️
Cloud backup
Connect Google Drive, Dropbox, or OneDrive to auto-sync your data. Or export to JSON or Excel anytime. Your data, your control.
📱
Works offline, installs anywhere
Add to your home screen like a native app. Works without internet. Your data never leaves your device unless you choose to back it up.
🔒
Privacy

Your debt is your business

No account required. No bank connection. No one — not us, not anyone — sees your numbers. Everything stays on your device.

Zero accounts
Open the app and start. No email, no password, no verification. Nothing to sign up for.
Local storage by default
Your data lives in your browser. Close the tab, it's still there. If you want a backup, you can optionally sync to your own Google Drive, Dropbox, or OneDrive — on your terms.
No analytics on your data
We don't know how much you owe. We don't know your name. We can't — the data never reaches us.
What Clearday is

Not a budget. A plan to zero.

Clearday isn't here to change how you live. It's here to show you when it's over — and make the distance feel survivable.

✓
A clear path to zero
Choose snowball or avalanche, see what extra payments do, and watch the path to zero take shape. The date is just the proof the plan is working.
✓
No budget required
No categories, no spending tracking, no judgment. Just your balances and what you're paying each month.
✓
Snowball or avalanche — your choice
See both strategies side by side. Pick the one that fits how you think, not just the one that saves the most interest.
✓
What if I paid a little more?
Drag a slider and watch your clearday move. Sometimes $50 extra a month means a year less of payments.
✓
Completely private by default
No account needed. Nothing leaves your device unless you choose to back it up to your own cloud storage.
✓
Free. Always.
No trial. No premium tier. No reason to ever pay for this. Debt is expensive enough.

The storm doesn't last forever.

The hardest part is already done — you decided to face it.
Clearday is just the math of getting to the other side.

Find my clearday →

free · private · no account needed