I kept seeing the same pattern: people knew how much they owed, but not how to win. Numbers alone don’t create momentum; a battle plan does. So we turned debt payoff into a real-time, data-driven experience that:
• Exposes every balance, rate, and minimum in one clean dashboard.
• Runs the math instantly for Snowball and Avalanche methods.
• Tells you—in plain English—which path will free you fastest and cheapest.

One dashboard. Two payoff strategies. Live recommendations from your own cash-flow. No spreadsheets, no guesswork—just a crystal-clear plan to hit $0 debt faster.

No spreadsheets. No guesswork. Just clarity and action.

Add, edit, delete—own every dollar you owe

One tap, one form. Enter each debt’s name, balance, rate, and minimum.
The calculator auto-totals your:

Total Debt - How big the mountain really is.
Monthly Minimums - The non-negotiable baseline each month.
Number of Debts - How many separate payments you’re juggling.

Snowball

Anyone who needs quick wins to stay motivated.
Fast psychological momentum.
Can cost more in interest.


Avalanche

People laser-focused on minimizing total cost.
Lowest interest paid overall.
Wins take longer to feel.


Personalized Advice, Pulled from Your Own Cash-Flow 📈

We plug straight into the past three months of your Runme.tech transactions to calculate:

Debt-to-Income Ratio (DTI) – where you actually stand
< 20 % — Healthy → keep the pressure on
20-35 % — Caution → tighten spending & add side income
35 % — Critical → aggressive payoff + lifestyle audit
Recommended Extra Payment – auto-set at ~15 % of take-home, so you push hard without starving your budget.
Time to Zero-Debt – the date your balances hit $0, updated live as you tweak numbers.
The advice box literally shifts colour—green, amber, red—based on your DTI, so the urgency is unmistakable.

Tech That Makes the Magic Happen ⚙️

PHP crunches amortization tables server-side, so results stay lightning-fast—even on mobile data.
JavaScript updates totals the second you change a single digit.
Bootstrap 5 flexes perfectly from iPhone to desktop.
Robust algorithms handle variable interest, promo rates, and “what-if” extra-payment scenarios.
Translation: Wall-Street-grade math with Main-Street ease of use.
Ready to Fire Your Last Debt Payment?

Log in to Runme.tech.
Open Debt Calculator → Add Debts.
Pick Snowball or Avalanche (or hit Compare).
Watch your freedom date appear—then make it happen.
Runme.tech is still 100 % free. No upsells, no ads, no shady “consolidation loans.”
We built this so regular people can finally destroy debt on their own terms.

See you on the other side of zero.

— Wellington Mukahiwa
Developer • Founder • Formerly overwhelmed, now debt-free