Track what’s real
See every debt, interest rate, and payoff date in one clear view.
A plan for a less broke you.
Get your
money afloat.
NoahDebt turns your debt payoff plan into clear next steps — with less shame, more momentum, and a little holy hell-yeah.
Free calculator. No signup. No bank login.
Freedom Tide
Higher water. A brighter tomorrow.
64%paid
Every payment lifts the tide.
Example plan$11,420left
Same boat.
Different budget.
Higher
tomorrows
ahead.
A better tomorrow starts with a plan.
Make the plan
Get a personalized payoff strategy with simple next steps.
Cut what isn’t helping
Find and trim expenses so more money goes toward what matters.
Pay off debt for good
Build momentum, watch your progress, and stay on track.
Stewardship is
direction, not shame.Pay your shit. Then breathe.
How it works
Three moves. Then keep going.
A payoff system built for real life, not spreadsheet theater.
- 01
See the whole boat
Connect accounts or add them manually. NoahDebt turns the mess into one honest snapshot.
- 02
Choose your route
Keep enough cash for bills, pay every minimum, then put each extra dollar toward the one card that costs you most.
- 03
Lift the tide
Make the move, mark it done, and watch the plan get lighter one payment at a time.
Run the numbers
See when the water gets calmer.
Use the payoff calculator, then save the plan that feels possible.
Calculator
What's your debt-free date?
Rough math only — not advice. No signup, no bank login.
Example numbers — click a box and type yours.
Your debt-free date
May 203044 months · $5,581.37 in interest along the way
Want to know which card to pay first? Join the waitlist →Meet Noah
Mouthy coach. Clear next move.
Try the demo with sample numbers. Sign in for guidance based on your live snapshot.
Noah
Demo chat · sample numbers only
Ask which card to pay first, where your money is leaking, or what to do tonight. This demo uses sample numbers, not yours.
Questions
Straight answers.
What NoahDebt is, how it works, and what it isn't.
- What is NoahDebt?
- A debt payoff planner. It puts all your debts in one place, keeps enough cash for bills, and tells you which card to pay first with every extra dollar.
- How does it work?
- Pick a payoff order — highest interest first, smallest balance first, or your own. Pay every minimum, keep a cushion for bills, then put extra money toward the card at the top of the list. NoahDebt tracks your progress and spots money leaking to things like forgotten subscriptions.
- Do I have to connect my bank?
- No. The calculator on this page needs no signup and no bank login. Members can connect accounts through Plaid or add them by hand.
- What is a cash floor?
- The money you keep in checking so bills clear — zero plus a small cushion. Fill it before paying extra on debt, so one rough week doesn't undo the plan.
- Is NoahDebt a bank or a loan app?
- Neither. It never moves money or invents minimum payments. You pay your card companies directly; NoahDebt helps you choose the order and keeps the plan honest.
- Who is Noah?
- The built-in coach — the name is a wink: ark + no debt. Blunt, a little funny, and honest. The chat on this page is a demo with sample numbers; members get answers based on their own accounts.
- Is my data private?
- Yes. Your balances and chats stay behind sign-in. Only these marketing pages are public.
- Can I sign up today?
- NoahDebt is invite-only while in beta. Join the waitlist and we'll email you when a spot opens.
Simple pricing
Start with the truth.
Upgrade when it helps.
Free gets the plan moving. Pro connects your accounts for live coaching.
Ready to get your money afloat?
NoahDebt is invite-only while in beta. Leave your email and we'll write when a spot opens. No spam.
Already have access? Sign in