Organize every debt.
Build a clear payoff plan.
DebtPilot brings your balances, rates, and due dates into one place — then maps a realistic, self-directed path to pay them off. Connect your accounts through Plaid, compare strategies, and track momentum without spreadsheets or guesswork.
By creating an account you agree to our Terms and Privacy Policy.
See it all
Every balance, rate, and due date in one organized view.
Plan smart
Compare avalanche, snowball, and hybrid payoff paths.
Stay private
Bank links via Plaid; tokens stay server-side.
Debt is hard to track when it's scattered everywhere.
A card here, a student loan there, a mortgage, a HELOC, an auto loan. Most people don't know their true total balance, which rate is bleeding the most, or what to pay first — so they pay the minimums and hope it works out.
DebtPilot organizes everything in one place and turns the pile into a clear, prioritized plan you can follow — no spreadsheets, no guesswork, no pressure to talk to a salesperson.
The minimum-payment trap
Paying only the minimum on high-APR cards can cost thousands in interest and add years to payoff. Seeing your real rates side-by-side is the first step out.
What DebtPilot does
Brings your debts together, compares payoff strategies, and shows the projected interest and timeline for each — so you can choose the path that fits your life.
How it works
Three steps from scattered to a clear plan.
1. Organize your debts
Add debts manually or connect accounts through Plaid. Balances, rates, and due dates land in one organized dashboard.
2. Compare payoff strategies
See avalanche, snowball, and hybrid plans side-by-side with projected interest and debt-free dates for each.
3. Track momentum
Follow your plan, log payments, and watch your total debt fall. Momentum tools keep you focused between paydays.
Built for the whole payoff journey
Planning tools that stay useful long after day one.
Unified debt dashboard
Every balance, rate, credit limit, and due date in one view.
Strategy comparison
Avalanche, snowball, and hybrid — with projected interest and timelines.
Plaid account linking
Connect banks to import balances and transactions read-only.
Momentum & check-ins
Weekly check-ins, milestone tracking, and recovery resets.
What-if simulator
Test extra payments and lump sums before you commit.
Net worth tracking
See how debt paydown moves your total net worth over time.
Free vs Pro
What you get for free — and what Pro unlocks.
| Feature | Free | Pro |
|---|---|---|
| Public payoff calculator | ||
| Manual debt entry & dashboard | ||
| One avalanche plan preview | ||
| Plaid bank connection & sync | — | |
| Full strategy comparison | — | |
| Detailed timelines & what-if tools | — | |
| AI Advisor & HELOC tools | — |
Debt coverage
What Plaid commonly imports vs. what you may need to confirm or add yourself.
Usually detailed via Plaid
Balances, APRs, and minimums commonly provided.
- Credit cards
- Mortgages
- Private student loans
May need your confirmation
Balances usually import; rate and terms may need a quick check.
- Auto loans
- Personal loans
- Boat loans
- Motorcycle loans
- Business / commercial loans
- SBA loans
Add manually or from a statement
Not available through Plaid — enter from your own records.
- IRS / tax debt
Plaid coverage varies by institution and account type. DebtPilot does not guarantee that every debt or liability detail will import automatically — you can always add or edit any debt manually.
Security & privacy
How your connections and data are handled.
Bank links through Plaid
You connect accounts using Plaid Link — DebtPilot never sees or stores your bank login credentials.
Tokens stay server-side
Sensitive Plaid access tokens are stored on the server and are not exposed to your browser.
Your data is yours
Disconnect any institution at any time. Request full data deletion whenever you want.
Read-only access
DebtPilot retrieves account and transaction data to display your plan — it cannot move money.
DebtPilot uses Plaid to connect accounts and retrieves read-only data. No method of electronic storage or transmission is 100% secure. See our Privacy Policy for details.
Frequently asked questions
No. DebtPilot is self-directed organization and payoff-planning software. It does not negotiate with creditors, repair credit, lend money, or provide financial advice.
Start with a clear picture of your debt.
Organize your balances and compare payoff paths in minutes. No spreadsheet required.