Membership

Premium Debt Tools and Dashboards

The free calculators stay free and unlimited. Membership is for people who want the whole system in one place.

See plans and pricing Use the free tools first

Planning and forecasting

Scenario simulator: test a pay rise, a new baby, a move or a lost shift
Irregular income planner for self-employed and shift-based earners
Advanced forecasting across every debt at once
Custom goals with a target date or target amount

Money in, money out

Household bill planner with a monthly calendar view
Subscription tracker that surfaces what you forgot you pay for
Sinking funds for the costs that usually go back on a card
Budget planner that feeds straight into your payoff date

Progress and reporting

Advanced reports on interest saved and time saved
CSV exports of debts, payments and milestones
Complete financial review reports
Extended history so you can see the whole journey

Doing it together

Household and couple access with shared permissions
Shared milestones and celebrations
Premium challenges built around consistency
Priority support

Already a member? Open them now

These live inside your dashboard and run on your own figures.

Payoff plan generator Scenario simulator Bills & subscriptions Reports & exports

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.

Read the full financial information disclaimer

Three-dimensional mockup of the How I Cleared My Debts eBook cover, showing an upward progress arc on a bright blue and green cover.

The eBook

Read the method, then run it with the tools.

Get the eBook — Start My Debt-Free Journey

One-time payment of $27.00