Simple, transparent pricing
Start free. Upgrade when you need more.
Free
Start moving the number. No card required.
$0forever
- Up to 3 debts
- Snowball and avalanche strategies
- Payoff date projection
- Balance-over-time chart
- Progress tracking
- Credit utilization tracker
- Payoff milestone sharing
OwedLess+
For serious debt crushers
$5.99/mo
or $24/yr — save 67%
- Unlimited debts
- All game plan methods
- Full payoff roadmap
- What-If Lab: consolidation, rate change, missed payment
- Rate negotiation scripts
- Calendar payment feed (iCal/Google/Apple)
- Utilization projections
- Paycheck-aligned view
- Advanced debt fields
- Bonus payments (tax refund, side income)
- CSV import and export
- Email reminders
Limited — 500 only
OwedLess+ Lifetime
Pay once. Own it.
$49one-time
500 of 500 remaining.
- Everything in OwedLess+
- Pay once — no subscription
- All future OwedLess+ features included
- Founding supporter status
- No renewal. No cancel worry.
"Lifetime" means for as long as the OwedLess service is operational. See Terms for details.