Pricing & free trial
Your debt-free date, worked out for you
See exactly when you will be debt-free, and how to get there sooner.
Debt Sunset turns your credit cards and loans into a month-by-month payoff plan: which debt to pay first, how much interest each strategy costs, and the date you will be done. Try it free for 30 days. Then get Lifetime access with a single $14.95 payment.
No card needed. Just your email.
- No card to start
- No subscription, ever
- No bank logins or card numbers
- Your data encrypted at rest
- 30-day refund
How it works
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Add your debts, once
Type in each card’s balance, rate and due date, or let an AI assistant read your statements and fill them in for you. Billing cycles, closing dates and minimum payments are worked out for you.
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Pick a strategy
Compare snowball, avalanche and utilization beatdown side by side, with your real payoff dates and total interest, before you commit.
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Let it run
No monthly data entry: balances move forward on their own as your plan’s payments come due. Your dashboard shows what is due next, and the reports show every debt falling to zero. Update a balance only if something changes.
What is inside
Real screens from the app, shown with its built-in sample data.
Your whole debt picture on one screen
Total debt, your monthly payment, your projected debt-free month and the interest your plan saves, plus every payment due in the next two weeks.
Compare strategies before you commit
Set how much extra you can pay each month and see every strategy side by side: debt-free date, total interest, and how much each saves compared with paying only the minimums.
Watch the balance fall, month by month
A projected payoff timeline for all your debts together or one at a time, payoff milestones in order, and a monthly payments view. Download any of it as a spreadsheet.
Bring your credit utilization down, card by card
See each card’s utilization at a glance, and the month it is projected to drop under 30% and under 10%, the levels that matter most to credit scores.
See where your money actually goes
Monthly reports break each payment into interest and principal, so you can see which debts are quietly eating your money.
Built for spreadsheets, scripts and AI
Lifetime includes a REST API for your own data: creditors, your payoff plan, windfalls and the card catalog, all as JSON. It is described by an OpenAPI 3 spec, so AI assistants, automation tools and code generators can read it and work with your plan.
- Personal API tokens you can create and revoke at any time
- Each token can only ever reach your own data
- Read and update creditors, your plan and windfalls
# list your creditors
curl -H "Authorization: Bearer dst_…" \
"https://debtsunset.com/api/debt-tracker/creditors?_format=json"One simple price
Free trial
$0for 30 days
- The full tracker: every strategy, graph, report and download
- REST API not included (it comes with Lifetime)
- No card to start: just your email
- Nothing is ever charged automatically
Best value
Lifetime
$14.95once, Lifetime access
- Keep using everything after your trial
- All strategies, graphs, reports and downloads
- REST API with personal tokens, from the day you pay
- No subscription, no renewals, no upgrade tiers
Available to people in the United States and U.S. territories. Prices in U.S. dollars.
$14.95 is less than one month of interest on a $450 credit card balance at 24% APR. If Debt Sunset helps you knock even one month off your payoff, it has paid for itself.
Pay once, not every month
Many money apps charge a monthly subscription. Here is what a typical $9.99-a-month app adds up to, next to Debt Sunset.
| Time | A $9.99/month app | Debt Sunset |
|---|---|---|
| After 1 year | $119.88 | $14.95 |
| After 3 years | $359.64 | $14.95 |
| After 5 years | $599.40 | $14.95 |
One payment. No subscription, no renewals, nothing billed again.
No card needed. Just your email.
Questions, answered
What happens when my free trial ends?
Nothing is charged: we never have your card. If you have not bought Lifetime, the tracker pauses and your data stays saved, exactly as you left it. Buy Lifetime whenever you are ready and pick up where you left off.
Is it really a one-time payment?
Yes. $14.95 once, through PayPal (with a PayPal account or a card). There is no subscription and nothing renews.
If I pay during the trial, do I lose my remaining trial days?
No. Your trial runs its full 30 days, and your account moves to Lifetime automatically when it ends.
Can I get a refund?
Yes. If Debt Sunset is not for you, email [email protected] within 30 days of paying for a full refund.
How do I sign in? Is there a password?
There is no password to create, remember or leak. Enter your email address and we send you a one-time sign-in link. Your email is your only login.
Is my information safe?
Debt Sunset never asks for bank logins or card numbers, and never connects to your bank. You only enter balances, rates and dates. Your debt data is encrypted at rest and can only be reached from your own account. We do not sell your personal information.
Do I have to update my balances every month?
No. Enter your debts once and Debt Sunset moves each balance forward on its own, assuming your plan’s payments are made. The estimates are close enough to plan with; update a balance only when something changes, like a big purchase or a missed payment.
How are minimum payments worked out?
Carefully, and on the high side. We use each card issuer’s published minimum-payment rule, round up, and add a 5% margin, so the minimum we show is never lower than your statement’s. Cards from issuers we don’t know get the strictest rule we have found.
Can I use it with AI assistants or my own scripts?
Yes. Everyone, including during the free trial, can let an AI assistant read their statements and add their debts, either by pasting its answer or with a 24-hour import token for AI agents. Lifetime adds the full REST API: create a personal token on your account page and use it from a script, a spreadsheet, or any AI or automation tool that can call a web API. The OpenAPI spec describes every endpoint.
Is this financial advice?
No. Debt Sunset is a calculator and planning tool: its projections are estimates based on what you enter, and your creditors’ exact figures will differ. See our Financial Disclaimer.
Find out your debt-free date
30 days free. Then $14.95 once, if it is worth it to you.
No card needed. Just your email.