Debt payoff, made clearer.

ByeByeBalance helps you explore payment strategies and build a plan with your own numbers.

A free, practical starting point

Calculators, a multi-debt planner and device-local progress tracking, with no sign-up and nothing to pay. People getting out of debt deserve a tool that doesn’t cost them anything.

How the estimates work

Each month every debt gets its minimum payment, and the rest of your budget goes to the debt your strategy puts first. When a debt is paid off, its payment moves to the next one. Estimates assume fixed APRs, monthly interest (APR ÷ 12), no fees and no new charges, so lender statements will differ slightly.

Open source

The code, including the calculations and their tests, is public on GitHub. Spot something wrong? Let us know.