YOUR PAYOFF CURVE
Example planJul 2027
Debt-free by
$1,842
Interest saved
AI debt-freedom planner
See the exact day
you go debt-free.
Debt Escape turns your balances into a plan — the smartest payoff order, the interest you'll save, and scripts to negotiate lower rates. FREE, in about four minutes.
Build my FREE plan
No credit card · FREE forever plan
Private vault
Statements and letters sit in a vault only you can open.
Isolated per user
Row-level security walls your data off from every other account.
Read on your device
The analyzer reads statements locally — only anonymized totals are sent.
Never sold
Your financial data is never sold or shared with advertisers.
Interest is quietly taking more than you think.
24%
Average credit card APR right now
$1,400
A year in interest on a $6,000 balance
73%
Don't know which debt to clear first
Debt Escape fixes all three — automatically.
Your escape plan, in three steps.
01
Add your debts
Type them in or import balances, rates, and minimums. About four minutes.
02
Get your plan
AI ranks the order of attack and shows the exact month you're debt-free.
03
Knock them out
Generate negotiation scripts, log payments, and watch every balance fall.
Your unfair advantage
AI makes the awkward call easy.
Negotiating with a credit card company feels impossible. Debt Escape writes a script around your account history, so you know exactly what to say to lower your APR, waive a fee, or ask for a hardship plan.
CHASE SAPPHIRE
Lower my APR
"I've been a customer for four years and have never missed a payment. I'd like to ask about lowering my current APR…"
Calm, specific, and ready before you dial.
We do the math you'd rather not.
Avalanche
Highest interest rate first
Total interest$2,466
Debt-free byJul 2027
Snowball
Smallest balance first
Total interest$3,100
Debt-free byAug 2027
Debt Escape models both — then tells you which one actually saves you money.
Every month you wait has a price.
One plan took someone from $35,602 in debt to a clear exit date. Yours is a few minutes away.
FREE forever plan · No credit card · Your data stays yours