Make a debt payoff plan
you can actually follow.

The total feels impossible. Steadily breaks it into concrete monthly steps — which account to pay first, when to call creditors, and what to automate.

Plan my payoff — free See how it works

Free to start · No credit card · Works in 30 seconds

Steadily Today dashboard showing organized tasks across multiple plans

You type this

One sentence. Steadily does the rest.

Your goal

"I have $28,000 in debt across 3 credit cards and a car loan. I can put about $800/month toward paying it off. I want to be debt-free in 3 years."

You get this

12 sequenced tasks with start-by dates and urgency colors.

Debt-Free by 2029

12 tasks · Due Mar 2029

List all debts: balances, interest rates, minimums Start today
Call credit card companies — ask for rate reduction Start by Mar 25
Set up autopay for all minimums Start by Apr 1
Allocate extra $800/mo to highest-interest card first Start by Apr 1
Review statement: cancel unused subscriptions Start by Apr 5
Milestone: first card paid off — roll payment to next ~Oct 2026
Milestone: second card paid off ~Jun 2027
Milestone: car loan paid off ~Feb 2028
Milestone: third card paid off — debt free ~Mar 2029

Why Steadily works for debt payoff

One step at a time

$28K feels impossible. But 'call your credit card company this week' is doable. Steadily gives you this week's task, not the whole mountain.

Progress you can see

Urgency colors shift from red to green as you pay things off. Each milestone shows you're getting closer.

Realistic timeline, not wishful thinking

Steadily calculates payoff dates from your real numbers, not motivational math.

Stop staring at the total.

Tell Steadily your debts and budget. It builds the payoff plan.

Plan my payoff — free

Make a debt payoff planyou can actually follow.