Send your debt downhill.
A debt payoff calculator that gets the math right — avalanche vs. snowball comparison, 0% promo tracking with deferred interest warnings, and what-if scenarios for raises and windfalls.
🔒 No bank connections. No third parties. Your data never leaves your device.
Avalanche vs. Snowball
See side-by-side exactly how much each strategy costs you in interest and time.
0% Promo Warnings
Tracks same-as-cash expiration dates and calculates deferred interest if you don't pay in time.
What-If Scenarios
Model a raise, tax refund, or windfall and see exactly how many months it saves you.
Your Data Stays Yours
All math runs in your browser. Nothing is sent to a server. No account required.
Free — Core Features
Start using Downslope for free. No account required. Your data never leaves your browser. Upgrade to Pro for $14.99 — one-time, no subscription.
Math verified against Excel NPER and CUMIPMT functions
Built by someone with an MBA paying off debt themselves
No dark patterns. No email required. No data collected.
Install the app
iPhone: Open in Safari, tap the Share button, then tap "Add to Home Screen."
Android: Open in Chrome — tap "Add to Home Screen" when the banner appears.
Desktop: Look for the install icon in your Chrome address bar.