Clearpath - Know Your Debt-Free Date in Under 5 Minutes

The real problem

Making payments is not the same as making progress

You pay one bill. Then another. And at the end of the month you still feel like you are standing in the same place. That is usually not a discipline problem. It is a clarity problem.

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"How much do I actually owe?"

Balances sit across different apps, statements, and portals. Nobody ever sees the real total in one place.

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"Which debt should I pay first?"

Smallest balance or highest rate? Get this wrong and you can spend a year working hard with almost nothing to show for it.

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"When will this actually end?"

Without a date, debt feels permanent. With a date, it becomes a countdown you can plan around.

Answer all three in 5 minutes →

How it works

Three steps. No spreadsheets.

Tap through each step to see exactly what happens.

1

Add your debts

Enter the balance, interest rate, and monthly payment for each debt. Credit cards, car loans, student loans, medical bills, buy now pay later. Leave your mortgage out for now.

2

Pick your strategy

Snowball clears the smallest balance first, which gives you a win early. Avalanche targets the highest rate first, which saves more interest. Clearpath shows you both with your real numbers.

3

Get your date and your plan

You get the exact month your final debt hits zero, the order to attack them in, how much interest you save, and a full month-by-month schedule you can follow.

Everything in one place

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Credit card

21.0% APR · $60/mo

$2,300

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Medical bill

0.0% APR · $50/mo

$750

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Car loan

8.0% APR · $150/mo

$4,000

Total debt$7,050

Compare both methods

❄ Snowball

1Medical $750
2Credit $2,300
3Car $4,000

First win in 6 weeks

🏔 Avalanche

1Credit 21%
2Car 8%
3Medical 0%

Saves $84 more

Most people finish the one that gives them a win early.

Your debt-free date

March 2028

Based on $7,050 in debt plus $150 extra each month

Medical

Done

Credit card

64%

Car loan

27%

Free calculator

Try it right now with one debt

Enter a single balance to see how it works. The full calculator handles unlimited debts, both strategies, and gives you a complete month-by-month schedule.

Open full calculator → Get the guide

Quick estimate

What do you owe?

Rate % (yearly)

Monthly payment

Paid off by

Aug 2028

19 months · $412 interest

Add all my debts →

Snowball vs Avalanche

Two strategies. One is right for you.

Say you have three debts. Here is how each method orders them, and what that means in practice.

Most people finish this one

❄️ Debt Snowball

Smallest balance first, regardless of rate

1
$750 medical bill
Cleared in about 6 weeks. Proof the plan works.
2
$2,000 credit card
Now gets the medical payment rolled into it.
3
$10,000 student loan
Full snowball hits it. Falls faster than expected.

Best if you have started a payoff plan before and stopped

🏔 Debt Avalanche

Highest interest rate first, regardless of balance

1
$2,000 credit card (18%)
Most expensive debt. Takes a few months.
2
$10,000 student loan (6%)
Long stretch with no visible win.
3
$750 medical (0%)
Cheapest debt saved for last.

Best if you are disciplined and want maximum interest savings

My honest take: the difference in interest is usually smaller than people expect. The difference in whether you actually finish is not. Run both with your numbers and pick the one you believe you will stick with.

Compare both with my debts →

A couple reviewing their debt payoff plan together on a laptop at home

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Debt free: March 2028

18 months · $1,247 interest saved

What changes

A date turns debt into a countdown

Before you have a date, every payment feels like it disappears into a hole. After you have one, every payment moves a number you can see.

You stop guessing whether you are making progress
You know exactly where every extra dollar should go
You can see what one extra payment actually does

Find my date →

Everything included

Built to be useful, not to upsell you

Every feature below is free. No trial, no card, no account.

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Exact debt-free date

The specific month your last debt hits zero, not a vague estimate or a range.

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Both strategies

Compare snowball and avalanche side by side using your real balances and rates.

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Month-by-month plan

Every payment, every cleared debt, and every milestone laid out in a full schedule.

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Genuinely private

Everything runs in your browser. Nothing is sent anywhere or stored. Close the tab and it is gone.

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12 currencies

Dollars, pounds, euros, naira, rand, rupees, and more. Annual or monthly rate input.

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Built for phones

Designed mobile first. Works just as well on a laptop, but it does not assume one.

Free guide

Stop throwing money at your debt

You have probably already tried to just pay more. But when several bills are demanding your attention, knowing what you owe is not always the problem.

It is knowing what to pay first.

The free guide shows you how to organise your debts, choose the right payoff strategy, and build a plan you can actually follow.

See exactly where you stand today
Decide which debt deserves your extra money
Build a plan that survives a bad month
Avoid the mistakes that restart the cycle

No shame, no unrealistic promises. Skipping coffee will not make you debt free. A clear order of attack might.

Clearpath Guide Stop Throwing Money at Your Debt 6 chapters · free PDF

Free. No credit card. No judgment.

Sarah from Chicago just downloaded it

Questions

Things worth knowing

Is Clearpath actually free?

Yes. The calculator, the payoff planner, the guides, and the free guide are all free. No trial, no card, no account required.

Are my numbers private?

Completely. Everything you enter into the calculator runs inside your browser. Nothing is transmitted to a server, stored in a database, or visible to anyone including us. Close the tab and the data is gone.

Which method should I use, snowball or avalanche?

If you have started a debt payoff plan before and stopped, choose snowball. The early win on the smallest balance is what keeps most people going. If you are disciplined and want maximum interest savings, avalanche will save you more. The calculator shows both with your actual numbers so you can decide with real figures.

My lender quotes a monthly rate, not annual. Does that work?

Yes. The full calculator has a toggle so you can switch between annual APR and monthly rate. If your car finance is 2.5% per month, switch to monthly and enter 2.5. The maths handles the rest correctly.

How accurate is the debt-free date?

It is a strong estimate based on the numbers you enter. It assumes your rates stay the same and you keep paying the same amount. Treat it as a planning target rather than a guarantee. Even an approximate date is far more useful than no date, because it gives you something concrete to aim at.

Can I include student loans, car loans, and medical debt?

Yes, all of them. Any non-mortgage debt can go in. Most people leave the mortgage out and handle it separately once everything else is cleared.

You do not need to have it all figured out

You just need to know what comes next. Start with the number, then take one step.

Calculate my debt-free date → Get the free guide

Know the exact month you become debt free