Goodbye Debt is not a budgeting app. It does one thing: tells you exactly which debt to attack first, exactly how much to pay where each cycle, and exactly what date you'll be free. No bank linking required. No guessing. Just the math, laid out.
Your bank makes more money the longer you stay in debt. So they built an app to make you "aware" of it, never to end it. Being bad with money isn't the problem. Being sold soft, toothless tools is.
Pretty charts. Color-coded categories. Zero instructions on which debt to kill first or how fast you could actually be free.
Pay the minimum on a typical card balance and you can hand the bank thousands in interest before you're done, years from now.
Goodbye Debt doesn't. Add debts manually or bulk-upload a CSV. No Plaid, no linking your accounts to a third party to get a plan.
No hype features. Just the exact engine that tells you where every dollar should go, free to start.
Ranks your debts by what's actually costing you the most and tells you exactly where extra dollars go first. No black box, it shows you why.
Add debts by hand or bulk-import a spreadsheet. No bank login required, ever.
Every due date and statement date in one place, with reminders before anything's late.
See the real date you'll be debt-free, and exactly how much interest you'll pay getting there.
Told plainly what to pay where, every cycle. One tap to mark it done.
The free plan runs the full engine on your two biggest debts, with the Avalanche method built in. When you're carrying more than that, upgrading unlocks unlimited debts, every strategy (Avalanche, Snowball, or a custom hybrid), bulk CSV import, a what-if simulator, and full export.
The first 100 people to join get unlimited debt tracking free forever, no upgrade ever needed. After that, standard pricing applies.
Start Free. See Your Plan →Add your debts and Goodbye Debt shows you your full optimized plan, your exact debt-free date, and the real interest you'll save, all before you're asked to pay anything. If the numbers don't convince you it's worth using, close the tab. No card required to find out.
Type them in by hand or upload a CSV. No bank login, no linking your accounts to anyone.
Goodbye Debt ranks every balance by what it's actually costing you and shows you exactly why.
Pay what it tells you, tap it done, watch your debt-free date pull closer every month.
You're joining at the ground floor. Every new member pushes us toward the next phase — more tools, more ways to get ahead of your debt for good.
Debt tracking, the avalanche / snowball / hybrid payoff engine, CSV & PDF statement import, the Debt Slayers community, and your profile & journey timeline.
Bite-sized money education built right into the app — so you don't just get out of debt, you learn how to stay out.
Ways to bring in extra income and throw more at your balances, matched to your situation.
Level up the skills that grow your income for the long run — building on the earning opportunities from Phase 3.
Each phase unlocks as the community grows. Join free and help us get there faster.
Debt Slayers is the community built into Goodbye Debt. People paying down debt at the same time, cheering each other on, and sometimes helping each other directly. Nobody here has to be embarrassed about a number. Everybody's working on one.
Ranked by percent paid off, never by dollar amount. Someone paying off ₱20,000 stands shoulder to shoulder with someone paying off $50,000. Progress is progress, wherever you started.
A profile with your journey and your milestones. A pseudonym is the default, your real name is never required. Nothing is visible to anyone until you choose to turn it on.
Members can add their own personal payment links so others can choose to help directly if they want to. It's person to person, always optional, and never processed or held by us.
The average American's credit card balance right now, per TransUnion and the Federal Reserve. At roughly 21.5% APR, paying the minimum can cost more in interest than the debt itself. That's the math Goodbye Debt exists to break. Source: TransUnion / Federal Reserve, Q2 2026.
We don't have 10,000 reviews yet. We're not going to fake them. What we have is a plan you can see before you commit to anything, real Federal Reserve interest-rate math behind it, and a founder who'll answer your email personally for the first people who try it.
You see your full plan, debt-free date, and interest saved before you're ever asked to pay. Nothing to cancel, nothing to refund, because nothing's charged until you decide it's worth it.
Kathy built Goodbye Debt after watching her own debt pile up the way it does for most parents: a couple of kids, a pandemic, and life happening faster than a budget spreadsheet could keep up with. She built the tool she wished she'd had. Early users get her directly, not a support ticket queue.
The first 100 people to join get unlimited debt tracking, free forever. No upgrade, no expiration. You're not user forty thousand. You're one of the first ten.
Yes, to start. The free plan runs the full prioritization engine on up to two debts, no card required. Carrying more than two debts, or want every strategy and CSV import, is when a paid tier applies, except for our first 100 founding members, who get unlimited debt tracking free forever.
Most apps show you where your money went. Goodbye Debt tells you exactly where it should go next, ranked by what's actually costing you the most, with a real date attached to being done.
No, by design. You add debts manually or upload a CSV. That means no third-party account linking, no ongoing sync permissions, and your balances update only when you say so.
Ten minutes from now, you could have an actual deadline for your debt instead of a vague hope it'll sort itself out someday.