See exactly when you'll be debt-free — and save thousands getting there
Enter your credit card balances and APRs. Visentor calculates your fastest payoff path — which card to pay first, how much to pay each month, and how much interest you'll save. Takes 2 minutes. No sign-up needed.
Your dashboard after adding 3 cards (takes 2 min)
Works with 156+ cards from Chase, Citi, Bank of America, Discover, and more.
How it works: 4 steps to your payoff plan
Add your cards
Enter balances and APRs manually, or pick from 156 bank templates. No Plaid, no login, no sharing credentials.
Pick a strategy
Avalanche saves the most money. Snowball builds momentum. We show you both — in real dollars, for your exact situation.
See your date
Your debt-free date and interest savings appear instantly, calculated daily — the same way your bank does it.
Follow the plan
The Command Center tells you exactly what to pay each week. Mark payments, watch balances drop, build the habit.
Everything you need to pay off your cards, faster
Command Center: your next move, at a glance
No dashboard maze. Three panels (Today, This Week, Plan) with one recommended action front and center. You open the app and know what to do.
Privacy by design
Your financial data stays in your browser. Encrypted at rest. No accounts, no linked banks, no compromises. No server ever sees your balances.
Ready for your wallet
Choose from 156 bank-verified card templates. APRs and terms populate automatically so you don't have to dig through statements.
Celebrate every milestone
Weekly reviews and payment streaks make progress visible. Seeing your debt-free date move forward is surprisingly motivating.
Promo APR tracking. No more retroactive interest surprises.
Got a 0% offer? We track the deadline and bump that card up the queue so you clear it before the promo ends. Missing a promotional window can cost hundreds in backdated interest.
Real results from real cardholders
“Turns out the avalanche method saves me $2,800 vs. just paying minimums. I had no idea. Took about 10 minutes to set up and now I know exactly which card to hit hardest each month.”
“The promo tracker alone was worth it. I had a 0% offer ending in March and completely forgot about it — Visentor flagged it and I cleared the balance in time. Saved me from a $400 retroactive interest charge.”
“My credit union app shows a minimum payment. That's it. I bumped my monthly payment by $150 after seeing what minimums actually cost me long-term, and my payoff date moved forward by almost two years.”
Common questions
- Is it really free?
- Completely. The full calculator, strategy comparison, and payoff plan cost nothing. No credit card, no trial period, no catch.
- Do I need to connect my bank?
- Never. You type in your balances and APRs manually, or pick from 156 bank-verified card templates that fill in the numbers for you. Nothing leaves your browser by default.
- How accurate is the debt-free date?
- We calculate interest daily — Balance × APR ÷ 365 — which is the same method your bank uses. Most online calculators use a monthly approximation that can be off by several weeks on a long payoff plan.
- What's the difference between Avalanche and Snowball?
- Avalanche targets the highest-APR card first, so you pay the least total interest. Snowball targets the smallest balance first, so you get early wins and momentum. We show you the real dollar difference between them so you can pick what actually fits your life.
- What happens to my data?
- It stays in your browser's local database (IndexedDB) and never touches a server. If you upgrade to Pro and opt into sync, your data is encrypted with a key only you hold before it leaves your device.
- Can I track promotional 0% APR periods?
- Add a promo expiry date to any card and we automatically move it up the payoff queue so you clear the balance before the deadline. That alone can save you from hundreds in backdated interest.
Every month you wait costs you interest. Start your free payoff plan today.
Add your cards in 2 minutes, pick a strategy, and get a payoff plan built on the same daily-interest math your bank uses.
No sign-up required. No bank login. Free forever.