Escape debt with financial clarity
Watch the AI read your debts, compare strategies, and merge them into one optimized plan — with a real debt-free date.
Free forever. No credit card required.
Credit Card A
22.9% APR
Personal Loan
11.5% APR
Credit Card B
18.2% APR
•••• •••• •••• 4290
Balance
$24,830
Reading your 3 balances…
$0.0M+
Debt tracked
0+
Members building freedom
$0K+
Interest saved
0
Avg. months to debt-free
Features
Everything you need to escape debt
A complete debt intelligence platform — from tracking to strategy to action.
AI Debt Advisor
Personalized guidance from an AI that understands your complete debt picture — and explains every recommendation, not just the answer.
Ranks by true interest cost, not balance — and tells you why.
Payoff Strategy Engine
Compare avalanche and snowball strategies with real projections. See the dollar-by-dollar difference and pick the approach that fits.
Simulates every month of both strategies to the exact dollar.
Debt Tracking
Every balance in one dashboard. Credit cards, loans, medical debt — with clear status, APR, and payment information at a glance.
Surfaces the highest-cost balance first, automatically.
Progress Monitoring
Watch your total debt shrink. Projected payoff dates update as you go — every payment moves you closer to freedom.
Recomputes your debt-free date after every change.
Financial Insights
Data-driven recommendations to accelerate your payoff. Understand where to focus next and how to reduce interest costs.
Flags the single change that saves you the most interest.
Secure by Default
Encrypted, protected by row-level security, and never sold. You share only what you choose — no bank connections required.
Your data is isolated at the database row level — always.
How It Works
From confused to debt-free
Four steps from financial uncertainty to a concrete, actionable plan.
Share your situation
Enter your debts — amounts, interest rates, and minimum payments. No bank login. No sensitive account access.
AI analyzes your debt
Our AI models your complete debt picture, calculates the true cost of each balance, and identifies high-impact repayment opportunities.
Receive your strategy
Get a clear, personalized plan — which debt to pay first, how much to allocate each month, and your projected debt-free date.
Track your progress
Log payments, watch your debt decrease, and adjust the plan as your life changes. Every payment moves you closer.
Ready to start? Create your free account
Try it live
Move the slider. Watch your plan change.
This isn't a mock-up. The same engine that powers your real plan recalculates instantly — payoff time compresses, interest melts away, and the AI re-checks which strategy wins.
Debt-free
September 2030
Total interest
$9,373.94
Payoff
51 mo
Trusted by thousands building debt freedom
“I was overwhelmed by forty-seven thousand dollars of debt. DebtEscape gave me a clear plan and a date I can actually see. Month eight, and the finish line is real.”
Pricing
Simple, transparent pricing
Start free and upgrade when you need more power. No hidden fees.
Free
Everything you need to start managing your debt.
- 1 debt
- 60,000 AI tokens/month
- Avalanche & snowball preview
- Payoff timeline projections
- Dashboard overview
- Secure data encryption
Pro
Advanced tools for serious debt elimination.
- Unlimited debts
- 300,000 AI tokens/month
- Full Planner intelligence & AI
- Payment history & tracking
- Export reports
- Priority support
Enterprise
For financial advisors and organizations.
- Everything in Pro
- Multi-client management
- Team collaboration
- Custom integrations
- Dedicated support
- Volume pricing
Security
Your data is protected
Financial data demands the highest security standards. Here is exactly how we protect it.
You enter
- Balances
- Interest rates
- Minimum payments
We protect
- AES-256 at rest
- TLS 1.3 in transit
- Row-level isolation
We never see
- Bank logins
- Account numbers
- Card numbers
- SSN
You type the numbers. We encrypt them. We never touch your accounts — there's nothing to breach.
Bank-level encryption
All data is encrypted in transit with TLS 1.3 and at rest with AES-256. Protected with the same standards used by major financial institutions.
Row-level security
Every database query is enforced with row-level security policies. Your data is isolated at the database level — no user can access another's records.
No data selling — ever
Your financial information is never sold to third parties, used for advertising, or shared with lenders. Our model is subscriptions, not your data.
Secure infrastructure
Built on SOC 2 compliant infrastructure with automated backups and secure API architecture. No bank connections required — you control what you share.
Important Disclosure
DebtEscape AI provides informational tools and educational resources only. Nothing on this platform constitutes financial, legal, or investment advice. Please consult a qualified financial professional before making significant financial decisions.
FAQ
Common questions answered
Everything you need to know about DebtEscape AI. Can't find your answer? Email us.
Ready to take control of your debt?
Create your free account in under a minute. No credit card required, no commitments — just a clear path forward.