debtengines.com
Debt payoff planning for everyday Americans
The challenge
Most Americans carry thousands of dollars in consumer debt, but the tools that help you plan payoff are either expensive ($10–$20/month), monetized through affiliate products that push users toward more debt, or hand your sensitive financial data to third-party aggregators. A privacy-conscious, affordable planner simply didn't exist.
The solution
debtengines.com is a privacy-first debt payoff planning SaaS for under $40/year. Your data is yours — no bank account linking, no data selling, no dark patterns.
- Snowball, avalanche, and custom payoff strategies
- Amortization schedules with extra-payment scenarios
- Living "Payoff Plan" — split-payment strategy (minimums + accelerator) with auto-record before each due date
- Drift detection — alerts when balances change mid-cycle and prompts re-confirmation
- Payoff plan snapshots you can compare side by side
- Privacy-first by design — no bank linking, no aggregator, alias-based debt naming
- Self-hostable via Docker — run on your own server for full data control
- Premium features unlocked with a single annual payment — no subscription traps
The outcome
debtengines.com is live and actively growing. The platform is deployed on a rolling staging → production pipeline, with every change tested and previewed before reaching users.
Tech stack
Need a SaaS like this?
We build full-stack web applications — from the marketing site to the payment flow to the production deploy pipeline.