About

Tools that help you get out of debt — for free.

Clearpath started with a simple frustration: most debt calculators are either buried inside a bank's website trying to sell you something, or they're spreadsheets so complicated you give up before you finish. Paying off debt is hard enough without the tools working against you.

So we built the kind of tool we wished existed — one that's genuinely free, works on your phone, and shows you the single number that actually keeps you going: the date you'll be debt-free.

What we believe

Getting out of debt is only partly about math. The interest rates and minimum payments matter, but the real battle is staying motivated long enough to finish. That's why our debt snowball tracker leads with your debt-free date and celebrates every balance you clear — because momentum is what carries people across the line.

We also believe your financial information is yours. Our tracker runs entirely inside your browser. When you type in your balances, nothing gets uploaded, stored on a server, or sold to anyone. Close the tab and the numbers are gone. You're never asked to create an account or hand over your email to use the tool.

Who this is for

Clearpath is for anyone staring at a pile of debts and wondering where to start — whether that's a single credit card, a mix of student loans and car payments, or years of balances that have quietly built up. If you've tried to get out of debt before and lost steam, the snowball method and the tools here were built with you in mind.

How we keep the lights on

The tools are free, and we intend to keep them that way. To cover the cost of building and running the site, we display ads on some pages. We may also, from time to time, recommend products or services we think are genuinely useful — and where we earn a commission for doing so, we'll always tell you. None of that ever changes the numbers the tracker gives you.

Clearpath provides educational tools and information, not personalized financial advice. See our full disclaimer.