Build a debt payoff plan that flexes with your income. Know exactly what to pay, when to pay it, and when you'll be debt-free.
Most debt tools assume steady income. Debt Chisel was built for the 70 million Americans whose income isn't the same every month.
Set budgets for tight months, solid months, and months you can go all-in. See how each one changes your debt-free date.
Know exactly what to pay each debt, every month. No spreadsheets. No confusion. Just a plan you can actually follow.
Most tools give you two options. Debt Chisel's AI analyzes your full portfolio — interest rates, balance sizes, cash flow, quick wins — and builds a payoff order optimized for your situation.
Log what you actually paid each month — multiple payments, exact dates. See if you're ahead, behind, or on track — and what it means for your debt-free date. Real accountability, not just another dashboard.
No bank logins. No third-party access to your accounts. You enter your balances, and that's all we ever see. We don't sell your data. Ever.
Got a spreadsheet full of debts? Drop it in. Debt Chisel reads your CSV or Excel file, maps everything out, and gets you to your plan faster — no retyping required.
Spreadsheets break with variable income and complex debt portfolios
No AI optimization — just manual math that's easy to get wrong
No tracking, no revisions, no accountability month-to-month
Start free. Upgrade when you need advanced features. No hidden fees. No selling your data.
Questions about pricing? See FAQ below
Everything you need to know about Debt Chisel