No bank link · No account · No judgment

Every debt has an end date. See yours.

Type in each debt — balance, APR, minimum — and Slate shows the exact month you're done, what to pay this month, and the interest your plan kills vs paying minimums. Snowball or avalanche, your call, your math.

🔒 Local-first: your debts never leave your phone. We can't see them. Nobody can.

Slate
DEBT-FREE
Aug 2029
3 yr 1 mo away · 5% already behind you
TOTAL DEBT
$26,830
SAVED VS MINIMUMS
$4,206
5 yr 1 mo sooner
💳
Visa ending 4412
minimum + everything extra
$345.00
TARGET
🚗
Honda CR-V loan
minimum
$312.00
🎓
Student loan
minimum
$160.00
What Slate does

A plan you can actually follow — one screen, one month at a time

Minimum payments are designed to keep you paying forever. Slate runs the real amortization math on your numbers and turns it into marching orders.

🏁

Your debt-free date

Not "someday" — a month and a year, recomputed live as you pay. The single number that changes how the whole thing feels.

📋

Pay-this-month list

Every debt gets its minimum; every spare dollar slams the target. When a debt dies, its minimum rolls into the next one automatically.

❄️

Snowball vs avalanche

Smallest-balance-first for momentum, or highest-APR-first for math. Pro puts both futures side by side, in dollars and months.

The $50 lever

Slate shows exactly how many months one more $50/mo buys you — the most motivating arithmetic you'll ever see.

🎉

Milestones ahead

Each payoff is a dated win on the road to zero. Watch the mountain shrink chart by chart, payment by payment.

📄

Plan on paper

Export a clean payoff-plan PDF — the date, the order, the interest each debt still costs — or a CSV for your spreadsheet.

🛡️

Debt is personal. Slate never sees yours.

  • No bank link, ever. Slate never connects to a bank, card, lender or credit bureau — you type three numbers per debt.
  • No account, no email, no name. There is nothing to sign up for and nothing to breach.
  • Everything stays on your phone. Local-first storage; we don't run a server that could hold your data.
  • Nicknames, not account numbers. "Visa ending 4412" is all Slate ever knows.
Pricing

Pay once. Get out of debt. Keep the app forever.

Your debt already charges you interest every month — your payoff plan shouldn't charge a subscription too.

Free

$0
forever
  • Up to 3 debts
  • Debt-free date + progress
  • Snowball or avalanche plan
  • Pay-this-month list
  • Milestones + payment log
ONE-TIME · NO SUBSCRIPTION

Pro

$8.99
once, forever
  • Unlimited debts
  • Snowball vs avalanche, side by side
  • Payoff plan PDF export
  • CSV export for spreadsheets
  • Supports an indie developer

For comparison: the big debt apps charge $2–$6 every month. On a 3-year payoff that's up to $200 — money that belongs on your balances, not on an app.