Welcome to CutTheCard!

Start Here: Your debt-free date in 3 easy steps

Add your accounts, pick a payoff method and set a monthly budget, then we'll calculate your debt-free date.

Go to Accounts →

Ready to Cut The Card? Head to your Accounts page and add your first account — your debt-free date is waiting.

3 Simple Steps to Get Started Today

Add Your Accounts — On the Accounts page, enter each card or loan's current balance, APR and minimum payment. We don't ask for any personally identifying information to sign up or use the site, and any account numbers you choose to store are private and encrypted.
Track Your Monthly Budget (Your Monthly Picture) — Decide how much extra you can put toward your debt each month, and let our system generate your exact debt-free date!
Plan Your Payoff Method (Pick Your Path) — Select whether you want to focus on saving the most interest (Avalanche) or getting fast wins (Snowball) on the Debt Reduction Plan page.

How CutTheCard Helps You Win

Total Visibility & Centralization

No more juggling spreadsheets or logging into five different banking portals to check your balances. Enter your credit cards, loans, and balances once, and CutTheCard consolidates everything on a single Accounts page.

Optimized Repayment Strategies

Different strategies work for different mindsets. CutTheCard automatically calculates your fastest route using proven strategies:
  • Debt Avalanche — prioritizes high-interest debt first to save you the maximum amount of money in interest fees.
  • Debt Snowball — prioritizes smallest balances first to build momentum with fast, motivating wins.
  • Custom Plans — tweak and adjust target payments based on your real-life monthly budget.

See the Impact of Extra Payments

Have an extra $50 or $100 this month? Use the Debt Reduction Plan to see how even small additional payments instantly shave months — or years — off your timeline and save you hundreds in interest.

Actionable Monthly Payoff Schedules

We take the guesswork out of bill management. Every month you'll have an exact breakdown of how much to pay toward each account to stay on target and reach your debt-free date on schedule.