See exactly when you'll be debt-free

You've made the decision: the debt has to go. Maybe you've even started throwing extra money at it.

But here's the thing—most debt payoff calculators are one-time tools. You punch in numbers, see a date, and then... what? Life happens. You lose track. The momentum fades.

What you need isn't another calculator. It's a system that keeps the goal visible every single day. That shows you exactly where you stand. That makes every payment feel like progress.

Here's what the calculator-only apps miss: your debt didn't appear in a vacuum. It came from spending patterns. And until those patterns change, you're fighting an uphill battle.

Solvent combines debt tracking with spending awareness. Log your purchases. See where money leaks. Find the extra $50 or $100 that could go to debt instead.

The debt payoff is the goal. The spending awareness is how you get there—and how you stay out of debt once you're free.

You won't find red screens screaming at you here. No “BAD FINANCIAL DECISION” alerts. No shame-based motivation tactics.

Just clear numbers. Clear progress. Clear choices.

Debt is math. It's not a moral failing. And the path out of it doesn't require self-flagellation—it requires information and consistency.

Solvent gives you both.

Getting debt-free is the first milestone, not the destination.

What happens when that monthly debt payment becomes available for something else? An emergency fund? A vacation you haven't allowed yourself to dream about? An investment in your future?

Solvent includes Goals & Dreams—a place to define what you're working toward, not just what you're escaping from. Because motivation that pulls you forward is stronger than motivation that pushes you away.

Start visualizing the debt-free life now. It's closer than you think.