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 hallelujah.
Free calculator. No signup. No bank login. NoahDebt itself is a private, invite only beta.
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 payoff plan built on your numbers, with simple next steps.
Cut what isn’t helping
Find and trim expenses so more money goes toward what matters.
Keep chipping away
Make the next payment, mark it done, and watch your progress add up.
Stewardship is
direction, not shame.Pay your bills. 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
Add your debts by hand or import your statements. NoahDebt turns the mess into one honest snapshot. Bank connections come with Pro after beta.
- 02
Choose your route
Keep enough cash for bills, pay every minimum, and put each extra dollar toward the card at the top of your list.
- 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, not advice. No signup, no bank login.
Example numbers. Click a box and type yours.
Your debt free date
July 203044 months · $5,581.37 in interest along the way
Want to know which card to pay first? Get the newsletter →Meet Noah
Mouthy coach. Clear next move.
Try the demo with sample numbers. Beta members get guidance based on their own numbers.
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.
Chats may be reviewed to improve NoahDebt.
Noah uses AI, so answers can be incomplete or wrong.
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 shows which debt gets your next extra dollar in the payoff order you choose: highest interest first, smallest balance first, or your own.
- 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, and 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. In the beta, members add accounts by hand or import statements. Bank connections come with Pro after beta.
- What is a cash floor?
- The money you keep in checking so bills clear, 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 is not a debt relief, settlement, or consolidation company. It never moves money or makes up minimum payments. You pay your card companies yourself, and NoahDebt helps you choose the order and keeps the plan honest.
- Who is Noah?
- The coach inside NoahDebt. The name is a wink: ark plus no debt. Blunt, a little funny, and honest. The chat on this page is a demo with sample numbers. Beta members get answers based on their own numbers.
- Is my data private?
- Your balances and chats stay behind your login, and nothing in your account is public. A few people on our team can review chats, including demo chats, to fix problems and improve Noah. OpenAI processes your messages to write Noah's replies. We don't sell your financial data. The privacy policy has the details.
- Can I sign up today?
- Not yet. NoahDebt is a private, invite only beta. Get the newsletter for product news and release notes.
Simple pricing
Start with the truth.
Upgrade when it helps.
Free gets the plan moving. Pro opens after beta, with bank connections, saved preferences, and coaching.
Ready to get your money afloat?
NoahDebt is a private, invite only beta. Get the newsletter for product news and release notes, only when there's something worth opening. No spam.
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