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.
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.
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
- Up to 3 debts
- Debt-free date + progress
- Snowball or avalanche plan
- Pay-this-month list
- Milestones + payment log
Pro
- 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.