Lighten: Debt Payoff Planner

Stop guessing when you'll finally be debt-free.

Lighten is a straightforward payoff planner for anyone juggling more than one debt — credit cards, personal loans, installment plans, or app loans. Add every balance you owe, pick a strategy, and watch your exact payoff date update in real time.

HOW IT WORKS
1. Add your debts — balance, interest rate, minimum payment
2. Choose Snowball (smallest balance first) or Avalanche (highest interest first)
3. Follow your month-by-month roadmap to $0

WHY PEOPLE TRUST LIGHTEN
Your data never leaves your phone. No account, no bank login, no server, no tracking. Every calculation happens locally on your device — the way a debt tool should work.

KEY FEATURES
• Unlimited debts tracked — free, always. We never gate the one thing that matters most: seeing your full picture.
• Real interest-rate math, including the hidden cost of "fixed rate" loans, shown as their true effective rate
• Instant warning when a minimum payment doesn't even cover the interest — the debt trap most people never notice
• Monthly payoff roadmap showing exactly which debt to focus extra payments on
• Payment reminders so you never miss a due date
• Available in English, Vietnamese, Spanish, Portuguese, and Indonesian

LIGHTEN PRO (one-time purchase, no subscription)
• Compare multiple what-if scenarios side by side
• Advanced progress charts
• Export your roadmap as a PDF
• Remove ads

Lighten doesn't sell loans, doesn't push credit offers, and never encourages you to borrow more. It's built to help you owe less — one month at a time.