Pricing
Choose the level of support that fits you
Free tools stay free. Membership adds saved plans, tracking, budgeting, gamified progress and reports. Cancel any time — no cancellation fees and no lock-in.
Debt Organiser
Get every debt in one place and start tracking real progress.
$19.99/month
- Billed today: $19.99
- Renews monthly until cancelled
- Yearly would be $191.90 — saving $47.98
- Debt dashboard
- Up to 10 debt accounts
- Core payoff calculators
- Basic budget planner
- Payment tracking
- Monthly progress summary
- Core badges and milestones
- Standard reminders
Checkout and billing go live in the payments phase.
Most Popular
Debt Destroyer
The full interactive system: strategies, bills, subscriptions and scenarios.
$34.95/month
- Billed today: $34.95
- Renews monthly until cancelled
- Yearly would be $335.52 — saving $83.88
- Everything in Debt Organiser
- Unlimited debt accounts
- Full snowball / avalanche comparisons
- Subscription tracker
- Household bill planner
- Bill calendar
- Scenario simulator
- Advanced challenges
- Advanced reports and CSV exports
- Custom goals and enhanced reminders
Checkout and billing go live in the payments phase.
Debt Freedom Pro
For households doing this together, with forecasting and priority support.
$49.00/month
- Billed today: $49.00
- Renews monthly until cancelled
- Yearly would be $470.40 — saving $117.60
- Everything in Debt Destroyer
- Household / couple access with shared permissions
- Irregular income planner
- Advanced forecasting
- Priority support
- Premium templates
- Complete financial review reports
- Early access to new tools
- Premium challenges
- Expanded exports and history
Checkout and billing go live in the payments phase.
How pricing and currency work
- All plans are priced in USD: $19.99, $34.95 and $49 per month.
- Annual billing is exactly 20% off twelve monthly payments — $191.90, $335.52 and $470.40 per year.
- You are currently viewing prices in USD.
- An annual total is never presented as a monthly charge.
- You can cancel at any time; access continues to the end of the paid period.
What memberships do not include
- Personalised or regulated financial, legal or tax advice.
- Negotiating with creditors or contacting them on your behalf.
- Holding or distributing money to your creditors.
- Any guarantee of a debt-free date or a specific outcome.
- Credit-score repair of any kind.
Membership is also never an entry into the monthly competition — see how free entry works.
Prefer a one-time purchase?
“How I Cleared My Debts” is a single payment of $27.00 with no subscription. Many people start there and add a membership later.
Get the eBook — Start My Debt-Free JourneyHow 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.
The eBook
“How I Cleared My Debts”
Not ready for a membership? The eBook is a one-time purchase and stands entirely on its own.
One-time payment of $27.00