1. Empty your head onto the screen
Every card, loan, overdraft, buy now pay later plan and money owed to family. Nicknames only — never account numbers.
Free challenge for members
The Face My Debts Challenge
Most people can name two of their debts. Almost nobody can name all of them, with the real balances. This challenge fixes that in about ten minutes.
A free member account is required so your total is saved securely and privately to your dashboard.
How the challenge works
2. Watch the live total build
A running grand total sits at the bottom of the screen the whole time, with monthly repayments worked out for you.
3. Save it, share it, act on it
Your total is saved to your dashboard and feeds straight into your payoff plan. Invite a partner to view or edit the same list.
Do it together
Debt is rarely a solo situation. Create an invite link and a partner or family member can see the same list from their own dashboard — view only, or with permission to edit.
Then turn it into a plan
Once your list is complete, the payoff plan generator turns it into a month-by-month schedule with a realistic debt-free date.
How I Cleared My Debts provides educational information, organisational tools and estimates. It does not provide personalised financial, legal, tax or regulated debt advice. Results depend on the information you enter and may not reflect lender calculations. If you are struggling with priority bills, legal action or unaffordable repayments, contact a qualified free debt-advice organisation in your country.
Where to go next
Finished the challenge? These are the natural next steps.
- Debt snowball calculatorSee how fast your list clears when you attack the smallest balance first.
- Debt avalanche calculatorCompare the interest-first approach against the snowball.
- More debt-clearing challengesSubscription audits, no-spend weekends and round-up weeks.
- Start hereThe step-by-step path from first list to debt-free date.
- How I Cleared My Debts eBookThe full story and system behind the tools, for $27.
- Premium dashboard toolsBill planners, scenario simulator, reports and forecasting.
The eBook
“How I Cleared My Debts”
The book walks through the exact moment of facing the full number — and what to do next.
Get the eBook — Start My Debt-Free Journey
One-time payment of $27.00