Built for deliberate planners

Stop budgeting backwards.
Architect your debt‑free date.

LEVEL calculates the exact month you're debt-free — zero bank logins. Compare Snowball, Avalanche, and our proprietary Blitz method, then build your payoff plan in under 4 minutes.

⚡ Interactive Simulator · Instant Results
100% Private (No Bank Sync)
Total Debt $18,000
Estimated APR 24.9%
Extra Payment +$150/mo
Daily Interest Bleed $12.28/day
Minimums Payoff 21.8 yrs
With LEVEL Blitz 2.6 yrs
Build Full 12-Month Blueprint with These Numbers →
Free Starter plan · No credit card · 100% private, no bank sync
25 of 100 Founding Architect spots claimed
LEVEL Blueprint
Zero Bank Sync · 100% Private
Calculate Free →
The math, measured

Eighteen years, reclaimed.

Paying minimums only 21.3 yrs
LEVEL — Blitz method 3.1 yrs
18.2 yrstime reclaimed
$14,832interest saved
Oct 2028projected debt-free date

Based on a modeled $28,400 balance across a credit card, car loan, and student loan at $200/mo extra payment.

Engine mechanism

Three strategies, run side by side.

Psychology-based

Snowball

Payoff time43 mo
Total interest$6,840
Sorts bybalance
Rate-optimal

Avalanche

Payoff time39 mo
Total interest$5,410
Sorts byAPR
PROPRIETARY
Hybrid dynamic

Blitz

Payoff time37 mo
Total interest$4,920
Sorts bydaily interest $
Pricing

Clear architecture, zero surprise fees.

Starter

Free

$0 /mo
  • Up to 3 debt accounts
  • Snowball strategy engine
  • Basic payoff timeline
Start Free Starter
Architect

Full engine

$4.99 /mo
  • Unlimited debt accounts
  • Avalanche, Custom & Blitz strategies
  • Unlimited scenario simulations
  • PDF blueprint export
Start Full Engine Blueprint