Debt payoff clarity, without bank connections.

What the app helps with

My Debt Lens helps users organize balances, interest rates, minimum payments, due dates, income, expenses, emergency cushion assumptions, and payoff scenarios in one private workspace.

• Compare payoff routes such as highest APR first, smallest balance first, even allocation, or custom allocation.
• Preview modeled payoff timing, payment pressure, and estimated interest tradeoffs.
• Use calendar views, reports, and workbooks to make the numbers easier to revisit and explain.

What the app does not do

My Debt Lens is not a bank, lender, broker, credit-repair company, debt-settlement company, financial adviser, legal adviser, tax adviser, credit adviser, loan originator, or emergency-relief service.

It does not negotiate with creditors, reduce balances, promise lower rates, guarantee payoff dates, or guarantee any credit, lending, tax, legal, or financial outcome.

Privacy posture

The app is designed around user-entered numbers rather than bank-account connections. Users should not enter Social Security numbers, full account numbers, payment-card numbers, government IDs, passwords, or unnecessary real names into free-text fields.

Public visitor analytics is consent-gated. Authenticated app pages are not intended to use public marketing pixels, retargeting tags, or authenticated heatmaps/session replay.

Plans and pricing

My Debt Lens offers a free App Demo with sample data, a one-time Snapshot option, and optional Premium plans. Current features, limits, prices, and any launch offers are shown on the Pricing page.

Paid billing may be handled by a third-party payment processor such as Stripe. My Debt Lens does not store full payment-card numbers on its own servers.