Your debt has a math problem. See the answer — free.
Enter what you owe. Get a side-by-side plan showing the fastest and the cheapest way out — exact payoff dates, total interest, and how much you'd save. No sales calls. No credit check. Just the numbers, so you can decide.
Regularly $19 · Free for a limited time. A financial planner charges $200–$500 to build this same analysis.
Most of a minimum payment goes to interest, not principal — which is why the balance barely moves. The tool shows your exact numbers.
You're not imagining it. Debt in America is at a breaking point.
Behind those numbers are millions of people making minimum payments and watching the balance barely move. If that's you, keep reading — the next part matters.
Why the balance never seems to go down.
At around 22% interest, most of a minimum payment goes straight to the lender as interest — not to what you actually owe. Carry a typical $6,000 balance and pay only the minimum, and you can spend well over a decade paying it off and thousands of dollars in interest on top of the original debt.
The order you pay things in changes that outcome dramatically. That's the entire point of the analysis — to show you, in your own numbers, exactly how much time and interest a smarter payoff order saves.
Illustrative. Your actual difference is computed from the balances, rates, and payment you enter.
The help is real. The price tags are the problem.
$200–$500 for a one-time payoff plan — valuable, but a lot to pay for math you can run yourself.
Typically 15–25% of your enrolled debt in fees, and the process can damage your credit for years. (We are not this — see the FAQ.)
$100+/year subscriptions that track spending but don’t actually optimize which debt to kill first.
Free, but error-prone and hard to keep current as balances and rates change.
You shouldn't have to pay hundreds — or a slice of your debt — just to see the math.
Enter your debts. We do the math. You choose.
Avalanche (least interest), snowball (fastest wins), and hybrid — compared on your numbers.
See when you’d be debt-free under each approach.
The dollars a smarter payoff order keeps in your pocket.
A plan you can actually follow, payment by payment.
When each payment disappears and the money comes back to you.
We don’t call you, upsell you, or touch your debt — we hand you the analysis and the decision is yours.
Got your results? Now just ask WarrenBeta.
Warren has your debt payoff results and explains them in plain, simple English. Ask it anything — what a number means, what changed, what to look at next — and get a clear answer, on demand. No jargon, no judgment, no appointment.
Free with your account, and it gets more generous the more services you use. Warren explains your numbers — it doesn't tell you what to buy or do. You decide.
Ask Warren provides general educational information about your own inputs and results and does not constitute personalized investment, tax, legal, or insurance advice, or a recommendation to buy or take any action. Warren can make mistakes — verify important details and consult a licensed professional before making decisions.
How it works
Balances, interest rates, minimums, and what you can put toward debt each month.
Three payoff plans compared instantly, on your real numbers.
Download it, follow it, and come back to re-run it anytime.
Takes a few minutes. No credit check. No commitment.
If you're only making minimum payments, this was built for you.
Tens of millions of people carry a balance every month — you're in good company, and it's not a character flaw. It's a math problem, and math problems have solutions. This tool is a private, judgment-free first step: no phone call, no salesperson, no credit check. Just a clear picture of your way out.
The same payoff analysis from a financial planner runs $200–$500. No subscription. No credit card required to start.
Frequently asked questions
- Is this debt settlement or a debt-relief program?
- No. Dversify does not negotiate, consolidate, settle, or manage your debt, and never contacts your creditors. It is an educational analysis tool that shows you the payoff math on your own numbers. You stay in full control.
- Will this hurt my credit?
- No. There is no credit check and no hard inquiry — you enter your own balances and rates, and we compute the payoff scenarios.
- Is it really free?
- Yes, for a limited time (regularly $19). No credit card is required to run it.
- What do I need to get started?
- Your debts (balance, interest rate, and minimum payment for each) and roughly how much you can put toward debt each month.
- Do you sell my data?
- No. The figures you enter are used to generate your analysis. See our Privacy Policy for details.
See your way out of debt — free.
A few minutes and your real numbers are all it takes.
Dversify provides educational financial-analysis tools and does not provide financial, legal, tax, or debt-relief advice or services. Not a debt-settlement or credit-repair company. Figures shown are illustrative estimates based on the information you provide.