YOU PAY YOUR DEBT EVERY MONTH. NOW SEE HOW TO PAY IT OFF.

You are already doing the work. The payments leave your account every month. But the balances move slowly, and you still do not know when the debt will end.

Debt Freedom Route puts all your debts in one place. It shows you which debt to pay first, how much extra you may be able to pay and when you could be debt-free.

DOES THIS SOUND LIKE YOU?

You earn a regular income. You pay your bills. You make the minimum debt payments. But the debt is still always there.

• You pay every month, but the balances barely move.

• You do not know which debt to pay first.

• You do not know if an extra $50, $100 or $300 will make a real difference.

• You are afraid to pay too much and then need the card again.

• You pay a balance down, but new charges push it back up.

• You have tried a calculator or spreadsheet, but you still do not have a plan you follow.

• You earn enough to make the payments, but the debt is always on your mind.

You do not need more shame or another person telling you to try harder. You need to see the numbers, choose a plan and know what to do next.

HOW IT WORKS

1. Add your debts. Enter each balance, interest rate, minimum payment and due date.

2. Add your monthly numbers. Enter your income, bills, spending, savings, irregular costs and debt minimums. The tool shows what may be left for extra debt payments.

3. Compare your plans. See the Snowball, Avalanche, minimum-payments-only and custom plans using your own debts.

4. Choose your plan. See which debt comes first, what to pay next and the month you could be debt-free.

5. Track what happens. Add your payments, new charges, interest and fees. See if your total debt went down, stayed the same or went up.

WHAT DO YOU GET?

One simple tool. One file. Everything below is included.

Build your debt payoff plan

• Add credit cards, store cards, buy now pay later balances, personal loans, auto loans, lines of credit, medical debt, student loans, mortgages, family loans and other debt.

• Keep each balance, interest rate, minimum payment and due date in one place.

• Choose which debts to pay off now and which debts to track only.

• See the minimum-payments-only plan so you can understand your current path.

• Use the Debt Snowball method to pay the smallest balance first.

• Use the Debt Avalanche method to pay the highest interest rate first.

• Make a custom plan and choose your own debt order.

• Compare the estimated payoff time and interest for each method.

• See how much money may be left for extra debt payments after your real monthly costs.

• Choose how much of that extra money you want to pay toward debt.

• See the next debt to pay, the next payment and your estimated debt-free month.

• Use What If to test a different extra payment or one-time lump sum without changing your current plan.

Track your payments and due dates

• Record minimum payments, extra payments, lump sums and other payments.

• Keep a payment history for every debt.

• See your debt due dates on a calendar.

• Mark a payment as paid or covered.

• Export payment reminders to your calendar.

• Review your plan each month and update it when life changes.

See if your debt is really going down

• Enter the balance at the start and end of each statement period.

• See how much you paid in interest and fees.

• See how much new spending was added.

• See how much your debt went down after interest, fees and new charges.

• See if your total debt fell, stayed about the same or grew.

• View reports for balances, payments, estimated interest and payoff time.

• Use Debt Health checks to see which parts of your plan need attention.

• Track milestones such as your first payment, first extra payment, first debt paid, 10%, 25%, 50%, 75% and debt-free.

• Track simple habits that help you keep following the plan.

Keep your debt information private

• Use the tool without creating an account.

• Use the tool without linking a bank account.

• Use the tool offline after you download it.

• Save your information locally in your browser on your device.

• Your debt information is not sent to Your Money In Order or any third party.

• No analytics track what you enter.

• Save a backup file and restore it later.

• Import figures from the free Money Reality Check, or start fresh.

• Use USD, GBP, EUR, CAD or AUD.

• Pay once. There is no monthly subscription.

A PAYMENT IS NOT ALWAYS PROGRESS

You can pay $500 and still see the balance fall by much less. Interest, fees and new charges can take part of that payment.

Debt Movement shows where the money went. It tells you if the debt fell, stayed about the same or grew. This helps you see why a balance came back after you paid it down.

YOUR INFORMATION STAYS ON YOUR DEVICE

Your debt information is private. You do not need to make an account or link your bank. The numbers you enter are saved in your browser on your device. They are not sent to Your Money In Order or any third party.

The tool works offline after download. Use Save Backup often so you can restore your information if you clear your browser data or move to a new device.

WHY I MADE THIS TOOL

I know what it feels like to earn a good income and still carry debt. I had three maxed-out credit cards and a personal loan. I moved debt around, paid balances down and watched some of them come back.

I paid off about $20,000 over roughly three years. A clear plan helped me feel calmer before the debt reached zero. I made Debt Freedom Route to give you the numbers and next steps I needed at the start.

IS THIS FOR YOU?

• You have regular income.

• You can make your required debt payments.

• You may have an extra $50 to $500 some months, but you do not know where it should go.

• You want to know which debt to pay first and when the debt could end.

• You want to see if new charges are replacing the progress you made.

• You want a private tool with no bank link, account or subscription.

• You are willing to enter and update your own numbers.

WHAT YOU RECEIVE

• One Debt Freedom Route file delivered right after you buy.

• A tool that opens in your web browser. You do not need Excel or Google Sheets.

• All planning, tracking, reports, privacy and backup features listed above.

• One-time access for $37. No monthly payment.

PLEASE KNOW BEFORE YOU BUY

Debt Freedom Route is a planning and tracking tool. It does not make payments, contact lenders, lower your debt, check your credit report or give personal financial advice. Payoff dates and interest amounts are estimates based on the numbers you enter.

This tool is for people who can make their required payments. If you cannot pay for basic needs or make your required debt payments, please speak with a qualified nonprofit credit counselor or another debt-help professional.

READY TO START YOUR DEBT FREEDOM ROUTE?

Add your debts. See what your month can afford. Know what to pay next.

One payment of $37. No subscription. No bank link.

Because this digital file is delivered right after purchase, all sales are final except where required by law. If the file does not work or you cannot access it, contact Your Money In Order for help.