nickelkeepers

Debt payoff, one step at a time

There's a last payment. Let's find its date.

Plain-English guides to paying off credit cards and other debt: list it, pick a plan, lower the interest, and stay with it. Plus where to find free help, and the debt relief traps to avoid.

Find my debt-free date Free, legitimate help

Debt-free in 31 monthsSnowball plan, $150 extra a month

  • Visa$2,140 left
  • Car loan$6,900 left
  • Medical bill$480 left
An illustrative example. Your calculator results depend on your numbers.

Three places to start

CalculatorYour debt-free dateSnowball or avalanche, with your real numbers. DirectoryFree, legitimate helpNonprofit counseling, government help and red flags. ChecklistDebt-FreeSixteen steps from your list to your last payment.

15 debt payoff guides

Know your debt

Payoff plans

Lower the cost

Getting help

Free download, no email needed

The Debt Payoff Workbook

List every debt, choose snowball or avalanche, find extra money for payments and color in your progress as each balance falls.

Get the free PDFSee the Debt-Free checklist

Coming soon

Your plan, your countdown, every month

Nickel Payoff Tracker: a simple app that keeps your payoff plan, tells you which debt gets the extra payment this month, and counts down to your debt-free date.

$3 a month, or $24 a year. Cancel any time.

How it works