Tools that do what the advice only talks about
Most debt content exists to build an audience. ClearDebt exists to show you what the math says. Pick the level of detail you actually need.
The Baseline
Know exactly what you owe. A real starting point — not a demo.
Free/ always
- Manual debt entry — all accounts, all balances
- Basic payoff calculator (avalanche & snowball)
- Total interest cost projection
- Payoff timeline comparison
- PDF statement upload & extraction
- Strategy dashboard
- AI strategy agent
Most complete
The Strategist
An AI engine that reads your statements, runs the math, and shows you what your numbers project.
$27/month
Everything in The Analyst, plus
- AI projection engine — calculates, compares, projects
- Saved analyses — track multiple debt scenarios
- Progress snapshots — see how far you've come
- Shareable reports — for advisors, partners, yourself
- Full statement history retention
At $27/month, this costs less than one hour with most professionals — and your projections update every time you log in.
The Analyst
Upload your statements. We extract the numbers and build your strategy — no spreadsheet required.
$10/month
- PDF statement upload — 9 major banks supported
- Azure Document Intelligence extraction
- Strategy dashboard — full debt picture, at a glance
- Strategy groups — organize payoff scenarios
- Everything in The Baseline
- AI strategy agent
- Saved analyses & progress snapshots
Your data is never sold or shared
Cancel anytime, keep access through billing period
No upsells inside the product
Before you decide
Three things worth saying out loud.
Straightforward answers.
No fine print worth hiding.
Start with what you know. Build from there.
The Baseline is free and takes 5 minutes to set up. Most people upgrade once they see the full picture.