Free to start · No bank login

Your debt-free adventure starts here.

See when you’ll be debt-free in 60 seconds — then get a gentle plan, smart payoff strategies, and an encouraging AI companion that cheers your progress without judgment.

See how it works
Zero guilt or shame
Bank-grade encryption
No bank credentials required

Rocky the Explorer

“Let's tackle this step by step!”

FREE
KnotMyDebt App Screen: Debt-Free in 14 Months

Live Projection

Debt-free in 14 months

✓
🚀
Payoff Milestone42% completed

A Gentle Breath of Fresh Air

Replace panic with a clear, realistic map.

Old feeling

“I wake up at night wondering when this is ever going to end.”

KnotMyDebt Way

A real date, not an anxious guess.

Know the exact month you cross the finish line, updated dynamically with every coffee or extra payment.

Old feeling

“Every payment feels random. Am I paying the right credit card?”

KnotMyDebt Way

A plan that tells you what to do next.

Clear micro-steps: “Put $40 toward card #1 to save 12 days.” No spreadsheets or confusion.

Old feeling

“Traditional finance apps show red charts and guilt-trip me.”

KnotMyDebt Way

A buddy that cheers, not scolds.

Because debt payoff doesn't mean you can't have date nights or travel memories. Balance freedom with real life.

Engineered for peace of mind

Everything you need to break free without breaking your spirit.

Playful tools designed for everyday people who want clarity, speed, and real encouragement.

1. Debt-free countdown

Watch your remaining months and target date tick down automatically as you record everyday wins.

Overall Progress42% complete

2. Avalanche vs. Snowball

PREMIUM

Compare mathematical optimization vs. psychological quick wins side-by-side to choose the trail that fits your brain.

🏔️ AvalancheSave $1,240
⚡ SnowballFast Win Jul '27

3. Lifestyle budgets

Dedicated pods for Dating, Gifts, Travel, Subscriptions, and Fun so you live joyfully while wiping out balances.

✈️ Italy Trip$1,200 / $2,000
60%

4. “Can I afford this?”

PREMIUM

Type any purchase before tapping your card. See exactly how many days it shifts your debt-free date — zero judgment.

“$180 wireless headphones”Impact: +19 days on loan #2

5. Scan any statement

Snap bills and statements in seconds with on-device OCR. Review and verify every number before anything is saved.

On-device scan3 scans/day free

6. Milestones & check-ins

Earn genuine mini-celebrations at $500, 10%, and card payoffs. Weekly summaries that feel like a high-five.

🎉“$500 debt eliminated! That’s real freedom.”
Easy as 1-2-3

Three simple steps to debt clarity

No bank logins, no tedious spreadsheets, no 45-minute setup quizzes.

1

Tell us two numbers

Enter your approximate total balance and what you can comfortably set aside each month. Zero banking credentials required.

Total: $15,000 · Monthly: $500
2

Pick your trail

Choose Avalanche (mathematically saves the most interest) or Snowball (fast psychological wins). Switch anytime.

🏔️ Avalanche vs. ⚡ Snowball
3

Check in daily

Log quick daily spending in 5 seconds, consult your AI Buddy on tradeoffs, and celebrate milestones together.

“You moved your debt-free date 12 days closer!”
Your Financial Travel Buddy

Ask anything.
Get a clear, gentle next step.

No robotic scripts or corporate financial lectures. Rocky analyzes your real numbers and gives encouraging tradeoff recommendations tailored to your life.

Q: “What should I do with this $200 birthday bonus?”
Q: “Can I afford a $60 romantic dinner tonight?”
Q: “Why did my target date move by 2 weeks?”

* Educational guidance and scenario simulations, not regulated financial advice.

Rocky Buddy

Online & ready
AI Companion
I have an extra $200 this month! What should I do?
🦝
Nice! Let's make that $200 work hard without killing your fun. Here is my balanced recommendation:
⭐ $140 → Highest interest card-18 days
✈️ $40 → Italy travel fundSafe joy
🍿 $20 → Guilt-free funTreat yourself
Uncompromising Privacy

Your numbers are nobody’s business but your own.

We built KnotMyDebt around the principle of zero credential harvesting. We don't want your banking logins.

Local-first data

Your numbers live directly on your device, protected with hardware-level AES-256 encryption at rest.

No bank credentials

We never ask for your online banking username, password, or direct Plaid synchronization. Ever.

Encrypted backup

Optional zero-knowledge cloud backup. Only your master key can decode your journey across devices.

Zero ads & no tracking

We never sell your financial profile to credit bureaus, advertisers, or loan refinancers.

Read our complete Plain-English Privacy Policy →
Transparent & Fair

Start free, stay free — or unlock the complete Adventure.

The Free tier is genuinely useful forever. Premium adds deep strategy, multiple profiles, and advanced AI simulations.

Free Forever

Starter Buddy

FREE
$0/ no card needed

Everything you need to kick off your debt-free journey.

  • Debt-free countdown & target date estimate
  • Up to 9 accounts (3 credit cards, 3 loans, 3 other)
  • Daily spending log & budget tracking
  • 5 lifestyle budgets (Gift, Dating, Travel, Subscriptions, Custom)
  • 3 statement/receipt scans per day
  • Basic AI Buddy questions & cheerful celebrations
Most Popular · 7-Day Free Trial
Full Adventure

Debt Buddy Premium

PREMIUM ✦
$64.99/ year ($5.41/mo)

Includes 7-day free trial. Save ~40% vs monthly.

  • Everything in Free, plus:
  • Debt Avalanche & Snowball comparisons with savings math
  • “Can I afford this?” tradeoff decision engine
  • Unlimited accounts & unlimited custom lifestyle budgets
  • Multiple profiles + biometric Secret Profile
  • 50 statement/bill scans per month & encrypted cloud backup

Prices shown in USD; store shows local currency. Cancel anytime.

Got Questions?

Frequently asked questions

Clear, transparent answers without corporate spin.

Do I need to connect my bank account?
No, never. You can get completely up and running in 60 seconds with just two estimated numbers (total debt and monthly comfortable payoff). No usernames, no bank logins, no transaction scraping.
Is KnotMyDebt formal financial advice?
No. KnotMyDebt provides mathematical simulations, habit encouragement, and educational guidance. Always verify specific payoff terms, interest charges, and conditions with your lenders.
How does the 7-day free trial work?
You get full, unrestricted access to all Premium features for 7 days. If you cancel at any time through your Apple App Store or Google Play account settings prior to day 7, you won’t be charged a cent.
Is my financial data safe?
Yes. We store your data locally on your device with military-grade encryption. If you choose our encrypted cloud backup, your encryption key ensures that only your authenticated device can decode it.
Can I manage finances with a partner?
Yes! Premium includes Multiple Profiles. You can keep your personal credit cards, joint household loans, and even private goals completely separated with their own distinct plans.
How do I delete all my data?
With one single tap in the app’s Privacy settings, or directly through our web account deletion request page. Since your data is local-first, deleting the app also purges local storage completely.
Ready for freedom?

Your first step is just two numbers.

Join thousands of smart explorers who turned debt dread into an exciting countdown.

Download on App StoreGet it on Google Play

Free to start · No bank login · Cancel anytime