Three steps to your debt-free date.
Connect your accounts, get a plan, and track your progress. No spreadsheets, no guesswork, no manual entry.
How do you get started?
Link your banks, credit cards, loans, and investments through Plaid. It takes about 30 seconds per account, then everything stays in sync on its own.
- Checking and savings accounts
- Credit cards and store cards
- Student loans and mortgages
- Investments and retirement
When will you actually be debt-free?
Spendify analyzes your debt and builds a payoff plan automatically. It compares snowball, avalanche, and custom strategies in real dollars and months, so you can see a debt-free date as early as Mar 2028.
How do you stay on track?
Every payment is tracked and every balance drop is visible. Budgets, spending insights, and net worth keep the plan honest and move you closer to your debt-free date each month.
Less than a single late fee.
A 7-day free trial, then just $4.99 a month. The average user saves $530 in interest by picking the right payoff strategy.
Your Debt-Free Date
Is Waiting
Connect your accounts in under 2 minutes and see exactly when you'll be debt-free. Try free for 7 days.