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Debt Paydown Planner

Track every debt account, get graded on your debt health, and calculate the fastest path to financial freedom.

Every Debt Account, Covered

Track each account type separately for a complete picture of your debt load

Your Debt Gets a Grade

We analyse your debt mix, average rate, and cash-flow impact and give you an A–F score — so you know exactly where you stand and what to fix first

Sample Debt Grade

Fair — 58/100

Based on $87,400 total debt · 3 account types

Good vs. Bad Debt

Good Debt (Mortgage)$52,000

High-Cost Debt$35,400

Mortgage counts as good debt — it appreciates and the interest is often tax-deductible. Credit cards and auto loans count against your grade.

What Debt Costs You

Lost to interest yearly

$6,210

at current balances & rates

Freed up if debt-free

+$518/mo

back in your monthly income

Not All Debt Is Bad

CreditGrok understands the difference between debt that drains you and debt that works for you

Good Debt Recognized

Mortgage
Interest is tax-deductible · home equity builds net worth · beats renting long-term
HELoan / HELOC
Secured against home equity · interest often deductible · low-cost capital for investing
Student Loans
May carry tax-deductible interest · income-potential investment · IBR options available
Strategic LOC/CC
If the cash is deployed into a higher-returning asset (e.g. hard money lending), the interest cost becomes an arbitrage play

Arbitrage Income Analyzer

Borrowed money at 8% APR and deployed into a hard money loan returning 14%? That's a +6% spread — positive arbitrage. CreditGrok lets you flag those accounts so they don't drag down your debt grade unfairly.

Debt Cost

Return

14%

Net Arbitrage Gain

+6% spread

This debt is working for you

Planner Access by Plan

Start with one card for free — unlock everything with a subscription

Visitor

Read-only demo
See all debt types explained
Grade demo walkthrough

No account tracking
No calculations

Start Here

Free Account

Track 1 credit card account
Debt Health Grade (A–F)
Avalanche strategy calculator
Interest cost projection

Additional account types
Multi-account strategies

Paid Subscriber

All 9 debt account types
Full good-debt classification
Arbitrage rate analyzer
Avalanche, snowball & hybrid
Export payoff plan
Family member sub-accounts
Business entity sub-accounts

Family & Business Sub-Accounts

Paid subscribers can add family members (spouse, children, parents) or business entities as separate sub-accounts — each with their own debt calendar, paydown calculator, and debt grade. Perfect for households managing multiple credit profiles or business owners tracking personal and commercial debt separately. Each add-on carries a small additional monthly fee.

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All Features at a Glance

From free tools to full-featured paid plans

Personal Plan

Personal Credit Profile

Track all three bureau scores, manage credit accounts, and get personalized improvement st…

Personal Plan

Family Credit Profiles

Manage credit profiles for your entire household — spouse, children, parents — under one a…

Personal Plan

Credit Applications Tracker

Never lose track of a credit application again. Log every card and loan with intro rates, …

Business Plan

Business Credit Profiles

Build and monitor business credit completely separate from your personal credit — EINs, D-…

Business Plan

Business Credit Applications

Track every business credit card and loan application with intro rates, credit limits, and…

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