A debt payoff plan you can actually follow
RealiPlan maps your real income schedule, every bill due date, and all your debt details: APRs, promo rates, and minimums. Then it builds a step-by-step plan grounded in how your money actually flows.
Free to start · No bank connection required
You’ll be debt-free in
18
months
August 12, 2027
Debt Paid
$24,000
Remaining
$45,000
Interest Saved
$5,400
February Payments
Other tools show you a date. RealiPlan shows you the path.
Calculators
Just math. Plug in a number, get a date. No awareness of when money arrives or what’s already spoken for.
Budgeting apps
Categories and averages. They track where money went, not where it needs to go.
Automation tools
Set-and-forget autopilot. But what happens when a promo rate expires or your paycheck shifts?
RealiPlan gives you the full picture
When money arrives, what’s already spoken for, what to pay and when. AI helps you decide what move to make next.
Three steps to your payoff plan
Set up once, then let the engine do the math.
Map your income
Tell us when and how often you get paid: biweekly, monthly, or irregular. We map it to real calendar dates.
Add debts & bills
Balances, APRs, promo rates, minimum payments, due dates. We track the details that actually affect your plan.
Get your plan
Your debt-free date, interest saved, month-by-month schedule. Compare Snowball vs. Avalanche, or let our AI recommend the best strategy.
Built for the way money actually works
No rounding, no guessing. Real schedules, real rates, real dates.
True cashflow mapping
See when money comes in vs when it goes out, down to the day. No more guessing if you can cover the mortgage before payday.
Realistic debt payoff
Compare Snowball vs Avalanche side by side. See exactly how much interest each strategy saves with YOUR numbers, not a generic calculator.
AI strategy recommendations
Our AI analyzes your full debt portfolio (APRs, balances, promo rates) and recommends the optimal strategy with a confidence score and specific next steps. It even evaluates whether consolidation could save you money.
Promo rate intelligence
0% APR for 12 months? We model promo windows, expiration dates, and the rate jump that follows. Your plan adapts automatically.
Your actual debt-free date
Not a rough estimate. A calculated date based on your real income schedule, real obligations, and chosen strategy.
Privacy first
Your data is encrypted and never sold. No bank login required. You control what you share.
See your real cashflow
Not categories, not averages. Exactly when money moves.
Cashflow Timeline
February 2026
Income
$5,600
Obligations
$1,845
Debt Payments
$940
Compare strategies with your real numbers
Choose what keeps you motivated, or let our AI decide for you.
Strategy Comparison
Based on your 4 debts
Avalanche strategy recommended
Consolidation Analysis
Consolidating Best Buy ($1,200 at 22.99%) and Amazon ($640 at 21.15%) into a single balance transfer could save approximately $340 in interest over 12 months.
Prioritized Action Items
Pro users get AI-powered analysis of their entire debt portfolio: personalized strategy, consolidation advice, and prioritized next steps.
2,400+
plans created
$3.2M
interest saved
18 mo
avg payoff time
People are getting results
I had $32K across four credit cards and no idea where to start. RealiPlan’s AI told me exactly which card to attack first and why. Eighteen months later, I’m down to one card with $4K left.
Sarah M.
Teacher
We get paid on different weeks. Every other tool just averaged our income. RealiPlan showed us which weeks we could safely make extra payments and which weeks to hold back. Game changer.
Marcus & David
Couple, different pay schedules
My income is unpredictable, so generic calculators never worked. The AI recommended a hybrid strategy I wouldn’t have considered, and the plan adapted every time I ran a new projection.
Priya R.
Freelancer
Simple, transparent pricing
Start free, upgrade when you’re ready.
Free
$0
forever
- 5 projections per month
- All core features
- Snowball & Avalanche
Pro
$7.99/mo
or $59.99/yr billed annually
- Unlimited projections
- AI strategy recommendations
- AI consolidation analysis
Your plan is waiting
Start building your realistic payoff plan in minutes. No credit card, no bank login.
Get Started Free