Money Rescue · DebtGet out of debt — with a plan built on your actual numbers.
AI runs every payoff strategy against your real balances and rates, builds a month-by-month calendar, and gives you a date — plus a calculator showing what one extra payment a month does to it.
3
strategies compared
Built in
payoff calculator
10
min to your plan
91 sold in last 24h
$39.00
One-time purchase · Instant access · Personalized to your debts
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Instant delivery to your emailThe Problem
You're paying interest every month — and the balance barely moves.
Minimum payments are designed to take a long time
On a card at a typical rate, most of an early payment goes to interest rather than balance. That isn't a failure on your part — it's how the product is built, and it's why the balance seems stuck.
You don't know which debt to attack first
Snowball, avalanche, consolidation, transfer. The difference between them is real but smaller than most people assume — and much smaller than the difference between picking one and continuing to guess.
Debt feels permanent because there's no date on it
Without a projected finish, every month feels identical and progress is invisible. A date on the calendar is the single thing that most changes how the middle stretch feels.
The advice you find is often being sold to you
Debt settlement companies advertise heavily, charge substantial fees, and usually tell people to stop paying creditors. Non-profit credit counselling is a different thing entirely — and if you're behind, it's the right call.
What You Get
Everything to escape debt — with the maths shown.
Strategy Comparison
Avalanche, snowball and hybrid on your exact balances.
Extra Payment Calculator
What +$50 or +$100 does to your date and total interest.
Payoff Calendar
What to pay to whom each month, and when each clears.
Rate Negotiation Scripts
The call, the department, and what to do at 'no'.
Extra Cash Finder
Where the money goes, and what's safely redirectable.
Progress Check-In
Updated date, honest read, and when to get real help.
How It Works
From no finish line to a date on the calendar.
1
Enter every debt
Balance, rate and minimum for each — including the ones you've been avoiding looking at.
~5 minutes2
Compare the strategies and run the calculator
All three compared with the working shown, then see what an extra payment does to the date and the total interest.
~3 minutes3
Negotiate, automate, and track
Make the rate calls in one sitting, automate the payments just after payday, and check in quarterly.
ongoing1
projected debt-free date built from your own balances and rates, with the arithmetic shown so you can check it rather than take it on trust
3
strategies compared side by side
1
printable plan for the middle stretch
25
checklist steps from list to zero
Questions
Everything you need to know.
What types of debt does this cover?
Anything with a balance, a rate and a payment — credit cards, car loans, personal loans, medical bills, student loans, store credit. Debts already in collections are handled differently, and the tool flags that rather than folding them into an optimistic calendar.
What's the difference between snowball and avalanche?
Avalanche targets the highest rate first and costs the least in interest. Snowball targets the smallest balance first and produces a cleared debt sooner, which more people find sustainable. You'll see both run on your numbers with the difference quantified — and it's often smaller than expected, which is itself useful to know when choosing.
How much will I actually save?
That depends entirely on your balances, rates and what you can add, so the tool calculates it from your figures rather than quoting an average. Someone carrying a high-rate balance who adds $100 a month will see a large number; someone already paying well above minimums on low-rate debt will see a small one, and it'll say so.
I can barely make minimums — will this help?
Possibly not on its own, and it'll tell you that rather than building a plan you can't follow. If you can't meet minimums, have accounts in collections, are being sued, or are rolling over payday loans, the right step is a non-profit credit counselling agency — in the US, an NFCC.org member agency, where help is free or low-cost. That's a genuinely different service from the debt settlement companies that advertise alongside them.
Do the negotiation scripts work?
Sometimes, and outcomes vary by creditor, account and timing — nobody can promise a rate reduction. What the scripts give you is the approach that tends to work: asking for retention rather than billing, knowing what leverage you actually have, and handling a no without burning the call. The tool is honest when your leverage is weak.
Does it recommend balance transfer cards?
No. Promotional offers and terms change constantly and the AI has no live data on them, so it explains how transfers work, what the fees do to the maths, and what to compare — then sends you to check current terms yourself.
Reviews
Real debt, real dates on the calendar.
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