Clearday is a debt payoff planner app that turns every balance you owe into one clear plan with an exact debt-free date. Add your credit cards, loans and bills, compare seven payoff methods including snowball and avalanche, and Clearday tells you exactly what to pay each debt every month. It runs in your web browser, works offline and needs no account or subscription.
What this debt payoff planner does
Most debt trackers stop at a list of balances. Clearday does the math for you. It adds interest month by month, pays every minimum, and sends any extra money to the right debt in the right order. When a debt is cleared, its minimum rolls into the next one automatically, which is the snowball effect that makes balances fall faster.
You see your debt-free month, total interest still to pay, interest saved against paying minimums only and how many months sooner you’ll finish. Every figure updates the moment you change something.
Who it’s for
- Anyone juggling more than one balance: credit cards, store cards, car loans, student loans, personal loans, buy now pay later, medical bills, tax debt or money owed to family
- People deciding between the debt snowball and debt avalanche methods who want to see the real difference with their own numbers
- Couples and families who want one shared plan to print and stick on the fridge
- Anyone tired of spreadsheets with broken formulas
Features
Plan
- Dashboard: still owing, debt-free date, percent paid off, interest saved, months saved, this month’s payment, a monthly check-in list and the debt to attack right now
- My debts: quick add in seconds or the full form with lender, due day, credit limit, notes and 0% promo rates that switch to the normal rate on time
- Seven payoff methods: snowball, avalanche, best of both, cash flow first, highest interest cost, closest to done and your own drag-and-drop order
- Extra payments: monthly, every two weeks or weekly, with a slider, quick buttons and an option to round minimums up
- This month, exactly: the minimum, extra and total to pay each debt
- Month-by-month schedule: expandable per debt, searchable, with CSV export
- Compare methods: all seven side by side with debt-free date, months, interest, total paid and savings, plus charts
Track
- Payment log: log payments that come off the balance automatically, grouped by month, with a this-month-vs-plan check and a payment streak
- Credit score tracker: score history chart, score bands, and per-card utilization bars with 10% and 30% guides
- Milestones: every 10%, halfway, each debt cleared, a year to go and the final payment, plus a coloring-in tracker that fills itself in
- Money coming in: income and essentials in any frequency, what’s left after minimums, debt-to-income ratio and a snowflake log for windfalls
Look ahead
- What-if simulators: extra each month, a one-off lump sum, a balance transfer check with break-even month, a consolidation loan comparison and a “pick your debt-free date” calculator, each with a clear verdict and one-tap apply
- Calendar: a month grid of due dates and planned amounts, the next 30 days, Google Calendar links and a reminders file for Apple Calendar and Outlook
- Reports: balance over time with a credit score overlay, interest vs principal, debt by type, interest by debt, payoff timeline and payments by month
What’s included
- Clearday.html: the app, ready for your own plan
- Clearday-Sample-Plan.html: the same app filled with a realistic example so you can explore every page first
- User guide (Word .docx): step-by-step setup, every page explained, tips, troubleshooting and FAQ
- Quick start (PDF): one page in US Letter and A4
- License file
How it works
- Download and unzip the folder after purchase.
- Double-click Clearday.html. It opens in your web browser.
- Add your debts, pick a method, set your extra, then pay and log each month.
File formats and software
The app is a single HTML file that opens in a modern web browser. No installation, no internet connection and no account are needed after download. Tested in Google Chrome and Microsoft Edge on desktop and at phone and tablet screen sizes. The guide is a Word .docx file and the quick start is a PDF. Printouts come in US Letter and A4, and exports are CSV files for Excel, Google Sheets or Numbers.
Customize it
Choose from 30 currencies (every amount reads from one setting), switch between light and dark mode, name your plan, add your personal “why”, start the calendar on Sunday or Monday and pick your paper size. Debt types are color-coded across cards, charts and the calendar.
Print and export
Print a payoff plan summary, a 12-month payment sheet, the full schedule, a debt inventory, a coloring-in tracker, your monthly budget and a credit score log. Download CSV files of everything, back up your plan to a file, or copy a plan code to move it to another device.
Real ways people use it
- See whether avalanche really saves enough over snowball to be worth the slower first win
- Check whether a 0% balance transfer pays off after the fee, and how much would be left when the intro rate ends
- Find the extra needed to be debt-free before a wedding, a new baby or a move
- Drop a tax refund into the plan and see the new date instantly
Private by default
Your plan is saved in your own browser on your own device. Nothing is uploaded and there’s no tracking. Download a backup any time.
FAQ
Is this a subscription?
No. You pay once and keep it.
Do I need Excel or internet?
No. It opens in your web browser and works offline.
Can I use it on my phone?
The layout adapts to phone and tablet screens and has been tested at those sizes in Chrome. A laptop or desktop is the easiest place to set up your plan; a plan code moves it to another device.
Which method should I choose?
Compare methods shows all seven with your numbers. Avalanche usually costs least; snowball gives the fastest first win.
Does it handle 0% interest and promo deals?
Yes. Enter a promo rate and end month and the normal rate applies afterward.
Can I change the currency?
Yes, 30 currencies in Settings.
Is my data private?
Yes. It stays in your browser on your device.
Is this financial advice?
No. Clearday is a planning tool and its figures are projections from the numbers you enter.
Digital download, no physical item will be shipped. Licensed for personal use only: please don’t share or resell the files.
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