Getting out of debt can feel overwhelming, but with the right online tools, you can take back control, set achievable goals, and watch your financial future brighten. The internet is packed with powerful platforms to help you budget smarter, automate payments, track expenses, and even increase your income. Whether you’re tackling credit cards, student loans, or unexpected bills, these online resources can make a big difference—without requiring a financial degree.
Here are some of the best tools to help you chip away at debt and build lasting financial confidence.
1. Undebt.it – Build a Personalized Payoff Plan
If you’re not sure where to start, Undebt.it is a free tool that helps you create a custom debt payoff strategy. You can choose from multiple repayment methods like avalanche (highest interest first) or snowball (smallest balance first), and track your progress with detailed visuals. It also shows how small changes in payment amounts affect your debt-free date. A smart tip: Use the “debt snowflake” feature to apply unexpected windfalls—like birthday money or refunds—toward your debt. Undebt.it is perfect for anyone who loves planning but doesn’t want to wrestle with complicated spreadsheets.
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2. YNAB (You Need A Budget) – Give Every Dollar a Job
YNAB is a powerful budgeting tool designed to change how you think about money. Rather than forecasting your income, YNAB teaches you to budget based on the cash you actually have, which can help you avoid overspending and rely less on credit. The app syncs with your bank accounts and provides real-time insight into your habits. Tip: Set up specific categories for each debt you’re paying off—this helps ensure payments are prioritized in your monthly planning.
3. ChangEd – Pay Off Student Loans with Everyday Purchases
If student loans are a major source of your debt, ChangEd is a clever app that can help you pay them off faster by using your spare change. After securely connecting your bank account, ChangEd automatically rounds up your everyday purchases to the nearest dollar and applies the difference toward your student loan.
What sets ChangEd apart is that it’s specifically tailored to student loan repayment, and users typically shave years off their loan terms just through passive micro-payments. It also includes repayment progress tracking, goal setting, and automated transfers, keeping you motivated along the way. Bonus tip: You can invite family members to contribute their spare change, too, making it a collaborative effort.
4. Tally – Smart Credit Card Management
If juggling multiple credit cards is making your head spin, Tally might be the solution. This app manages your credit card payments and, if you qualify, offers a lower-interest line of credit to help pay down high-interest debt faster. Tally makes sure your minimums are always paid on time and helps avoid late fees. One lesser-known feature: Tally prioritizes which cards to pay first based on interest, helping you save even more. Tally is especially helpful for those struggling to stay organized with multiple credit lines.
5. Fiverr – Monetize Your Skills to Earn Extra Cash
Increasing your income—even temporarily—can help you pay off debt faster. Fiverr allows you to sell your skills in everything from writing and graphic design to voiceovers and business consulting. You can create a free profile and list services, then start earning on your own schedule. Use your evenings or weekends to turn a hobby into a side hustle—and put the earnings directly toward debt.
6. Khan Academy – Boost Financial Literacy for Free
Sometimes, the best debt tool is education. Khan Academy offers a full suite of free personal finance courses covering budgeting, credit, loans, and savings. Understanding how interest rates work or how credit scores are calculated can help you make smarter decisions moving forward. Tip: Use the “Assignments” feature to hold yourself accountable—set goals like completing a module every week. Knowledge is power, and when it comes to debt, informed choices can save you thousands.
7. Adobe Express – Create a Visual Reminder of Your Goals
Staying motivated on your debt journey is key, and sometimes a visual reminder can help. With Adobe Express’s online logo design tool, you can create a personal logo or badge that symbolizes your commitment to becoming debt-free. Place your design on a phone background, planner cover, or even print it for your vision board. It’s a simple yet powerful way to reinforce your “why.” Designing a debt-free brand for yourself might be the creative push you need to stay consistent.
Getting out of debt isn’t just about numbers—it’s about having the right mindset, support system, and tools. These online platforms empower you to create a plan, stay on track, and even find new ways to earn. Best of all, many are free or low-cost, making them accessible for almost anyone.
Whether you’re tracking every dollar, rounding up change, or building a side hustle, choose one tool to start with and build momentum from there. Debt doesn’t have to define you—digital tools can help you take control, one smart decision at a time.
