See exactly when you'll be debt-free — and save thousands getting there
The average Visentor user saves **$1,467/year** in interest charges. Our engine calculates your exact payoff date using the same daily-accrual math your bank uses. Takes 2 minutes. No account needed.
Your dashboard after adding 3 cards (takes 2 minutes)
Works with 156+ cards from Chase, Citi, Bank of America, Discover, and more.
Scale your payoff
Add just $150 to your extra payment and see your payoff date move by 2 years.
No spam · Monthly insights · Zero noise
How it works: 4 steps to your payoff plan
Add your cards
Enter balances and APRs manually, or pick from 156 bank templates. No Plaid, no login, no sharing credentials.
Pick a strategy
Avalanche saves the most money. Snowball builds momentum. We show you both — in real dollars, for your exact situation.
See your date
Your debt-free date and interest savings appear instantly, calculated daily — the same way your bank does it.
Follow the plan
The Command Center tells you exactly what to pay each week. Mark payments, watch balances drop, build the habit.
Everything you need to pay off your cards, faster
Command Center: your next move, at a glance
No dashboard maze. Three panels (Today, This Week, Plan) with one recommended action front and center. You open the app and know what to do.
Privacy by design
Your financial data stays in your browser. Encrypted at rest. No accounts, no linked banks, no compromises. No server ever sees your balances.
Ready for your wallet
Choose from 156 bank-verified card templates. APRs and terms populate automatically so you don't have to dig through statements.
Stay on track 2.3x longer
Users who check in weekly stay on their payoff plan **2.3x longer** than those using spreadsheets. Weekly reviews and payment streaks make your progress towards zero debt clearly visible.
Promo APR tracking. No more retroactive interest surprises.
Got a 0% offer? We track the deadline and bump that card up the queue so you clear it before the promo ends. Missing a promotional window can cost hundreds in backdated interest.
Real results from real cardholders
“Turns out the avalanche method saves me $2,800 vs. just paying minimums. I had no idea. Took about 10 minutes to set up and now I know exactly which card to hit hardest each month.”
“The promo tracker alone was worth it. I had a 0% offer ending in March and completely forgot about it — Visentor flagged it and I cleared the balance in time. Saved me from a $400 retroactive interest charge.”
“My credit union app shows a minimum payment. That's it. I bumped my monthly payment by $150 after seeing what minimums actually cost me long-term, and my payoff date moved forward by almost two years.”
Common questions
- Is Visentor really free?
- Yes. The core calculator, strategy comparison, and payoff planning features are free forever. No credit card or trial period required.
- Do I need to connect my bank?
- Never. Manual entry or templates keep your data private in-browser. We prioritize your privacy over automation shortcut.
- How accurate is the debt-free date?
- We use daily accrual math matching what your bank uses (Balance × APR ÷ 365). Most calculators use a monthly estimate that can be off by weeks.
- What is the debt avalanche method?
- It prioritizes the card with the highest APR first. Mathematically, it is the method that saves you the most money in interest.
- How is Visentor different from YNAB or Mint?
- YNAB and Mint focus on expense tracking and budgeting. Visentor is purpose-built for debt elimination — calculating exactly when and how much interest you save.
- Can I track 0% promo APRs?
- Yes. Set a deadline and Visentor automatically reprioritizes that card so you clear it before the high regular interest kicks in.
Every month you wait costs you interest. Start your free payoff plan today.
Add your cards in 2 minutes, pick a strategy, and get a payoff plan built on the same daily-interest math your bank uses.