See your way out of debt one month at a time
What you owe, what it costs you each month, and the month you’ll be debt-free. Then help moving that date closer.
Free during early accessThree steps.
Then just keep logging.
Each card and loan with its balance, interest rate and minimum payment. Your debt-free date shows up right away.
Type “42 groceries” and you’re done. Typing it yourself is the point: you notice where it goes.
Every extra payment pulls your debt-free date closer. A once-a-month check-in keeps your balances honest.
Everything about your debt in one place
Not just a budget, and not just a payoff calculator. Both, working together.
Your debt-free date
One clear date, and a slider that shows how much sooner a little extra gets you there.
A strategy center
Compare payoff orders side by side, plus refinancing, consolidation and more, with honest pros and cons.
A budget that gives every dollar a job
Plan from what’s coming in. Overspend somewhere? Move money over in one tap.
A bill calendar
Every bill and minimum payment on one calendar. Mark it paid and the payment is logged for you.
Needs vs. wants
Tag each purchase and see what your wants really cost once interest is counted.
And a lot more
No bank logins.
On purpose.
Apps that pull in every transaction let you stop paying attention. Writing it down yourself is what changes habits.
Logging takes seconds, and doing it by hand is what makes you notice where money goes.
It tracks money in and money out, not what happens to be in checking today. No reconciling.
Your numbers stay in your browser, with no account required. Export your vault to keep a backup or move it to another device.
A $1,000 purchase on a card can quietly cost you $1,724
Overborrowed shows the real price of what you put on credit, before and after you buy it, and what you’d save by paying a little more.
Example: $1,000 at a 24.99% yearly rate, nothing else added to the card.One rough year, twelve choices
Pitfall drops you into a 3D room and a year where debt builds a little every month. Swipe through twelve choices, then pick a payoff plan and see how long it takes, what it costs, and what that interest could have grown to instead.
Play Pitfall Free to play · no account needed · about 5 minutes
Free during early access
- Your debt-free date, with what-if plans
- Budget, bill calendar and quick log
- Strategy center to compare payoff orders
- Reports you build yourself
- Full backups and spreadsheet export
- No bank logins, ever
Everything included. $2.99 a month after early access. No payment card required during early access.
Good to know
Does it connect to my bank?
No, on purpose. You log what comes in and goes out yourself, or import a CSV file from your bank. It takes a few seconds, and it’s the part that actually changes habits.
How does it know how much interest I’m paying?
It estimates interest each month from each debt’s yearly rate and balance. When your statement arrives, you can enter the exact amount and it uses that instead.
Who can see my numbers?
Your entries are saved privately to your account. Even if you share the app with someone, they see their own books, not yours. No bank logins are ever asked for or kept.
Is this financial advice?
No. Overborrowed shows you the numbers and the trade-offs so you can decide. For options like bankruptcy or settlement it gives general information and points you to qualified help.
Can I get my data out?
Yes. Save a full backup of everything as one file and restore it whenever you like, or export your entries and reports as spreadsheet files.