Three Steps to Your
Debt-Free Date
Connect your accounts. Get a plan. Track your progress. No spreadsheets, no guesswork, no manual entry.
Step 1
Connect Your Accounts
Link bank accounts, credit cards, loans, and investments through Plaid. 13,000+ institutions supported, about 30 seconds per account.
- Checking & savings accounts
- Credit cards & store cards
- Student loans & mortgages
- Investment & retirement accounts
Step 2
Get Your Plan
Spendify analyzes your debt and builds a payoff plan automatically. Compare snowball, avalanche, and custom strategies in real dollars and months.
- Exact debt-free date calculated
- 3 strategies compared side by side
- Interest savings for each strategy
- What-if scenarios for extra payments
Step 3
Track Your Progress
Every payment is tracked, every balance drop visible, every month closer to your debt-free date. Budgets, spending insights, and net worth keep the plan honest.
- Automatic payment tracking
- Budget vs. actual spending
- Net worth growth over time
- Milestone badges along the way
It Pays for Itself
At $1 for your first year, Spendify costs less than a single late fee. The average user saves $530 in interest by picking the right payoff strategy.
$530
Avg. savings
4 mo
Faster payoff
44x
Return on cost
Your Debt-Free Date
Is Waiting
Connect your accounts in under 2 minutes and see exactly when you'll be debt-free. First year is $1.