Now with AI-powered debt coaching

Flip your debt.
Take back your future.

MyDebtFlip gives you a complete debt-fighting toolkit — budget tracking, debt payoff planner, savings goals, loan calculator, and an AI coach that knows your real numbers.

Start for free — no card needed See all features

Join hundreds of people already flipping their debt situation

Monthly income
$5,200
Total spent
$3,140
Remaining
$2,060
Health score
78/100
Good
Total debt
$8,400
Snowball active
Net worth
$24,600
What is MyDebtFlip?

Flip your debt situation. Take back control of your financial future.

MyDebtFlip is a complete personal finance toolkit designed for everyday people — not investors, not financial experts, not people who already have their money figured out. It is built for anyone who is living paycheck to paycheck, carrying debt they are trying to pay off, or simply trying to understand where their money goes every month.

Unlike apps that just track your spending after the fact, MyDebtFlip gives you a complete financial picture and a clear plan forward. You can see your exact debt-free date, calculate how much to save to hit any goal, and get a financial health score that shows you exactly what to improve.

The AI Coach is what makes MyDebtFlip different. It reads your actual income, expenses, debts, and goals — and gives you personalized advice based on your real situation. Not generic tips. Not one-size-fits-all guidance. Advice that is specifically about you.

Who is it for?
Anyone trying to pay off credit cards, student loans, or medical debt. People building their first emergency fund. Families trying to budget on a tight income. Anyone who lost track of where their money goes.
What does it do?
Tracks your budget, shows your debt-free date, calculates your savings goals, scores your financial health, reminds you about bills, and gives you an AI coach that knows your exact numbers.
What makes it different?
No bank login required. Your data never leaves your device. Free to start with no time limit. And an AI coach that gives you advice based on your actual situation — not generic money tips you have already read a hundred times.
Everything you need

One app.
Your complete financial life.

Stop using five different tools. MyDebtFlip brings everything into one clean, powerful dashboard.

Smart budget dashboard
Track income and expenses by category with live charts. See your 50/30/20 breakdown and get instant alerts when you're nearing your limit.
Savings buckets & goals
Create labeled savings pots for Vacation, Car, Emergency Fund — and watch them fill up. Set goals and auto-calculate exactly how much to save per week.
Debt payoff planner
Enter your debts and let MyDebtFlip build your payoff plan using either the Snowball or Avalanche method. See your exact payoff date and total interest saved.
Loan amortization calculator
Calculate your exact monthly payment, total interest, and see a full month-by-month amortization table for any loan — mortgage, auto, personal, or student.
Financial health score
Get a 0–100 financial health score based on your savings rate, debt-to-income, emergency fund, and budget discipline — plus a monthly report card with letter grades.
AI financial coach ✦ Pro
Your personal AI coach knows your income, expenses, debts, and goals. Ask anything — "Should I pay off debt or invest?" — and get advice tailored to your real situation.
Bill reminders
Never miss a payment. Add all your recurring bills, see what's due soon, and get warned when a payment is approaching so you always have enough in your account.
Net worth tracker
Add your assets — savings, investments, property, vehicles — and liabilities to see your true net worth. Watch it grow month over month.
Simple by design

Up and running in minutes

01
Create your free account
Sign up in seconds — no credit card required. Start with full access to budgeting and expense tracking immediately.
02
Add your income & expenses
Enter your monthly income, then log your regular expenses by category. Your dashboard instantly comes alive with insights.
03
Build your financial plan
Set savings goals, create a debt payoff plan, track your bills, and calculate your net worth — all in one place.
04
Get coached by AI
Upgrade to Pro and unlock your AI coach — ask questions about your specific finances and get personalized, actionable advice in seconds.
Real results

People love MyDebtFlip

10K+
Active users
$2.4M
Debt paid off using MyDebtFlip
4.9★
Average user rating
★★★★★

"I paid off $14,000 in credit card debt in 11 months using the Snowball planner. Seeing that payoff date get closer every month kept me motivated."

Marcus T.
Teacher, Houston TX
★★★★★

"The AI coach is insane. I asked it whether I should invest or pay off my car loan and it gave me a real answer based on my actual numbers. Nothing else does that."

Priya S.
Nurse, Atlanta GA
★★★★★

"I finally saved my first $5,000 emergency fund. The savings buckets feature made it feel real — I could see my 'Emergency Fund' bucket filling up every month."

Jordan K.
Freelancer, Austin TX
Simple pricing

Start free. Upgrade when you're ready.

No surprise charges. Cancel anytime.

Free
$0 / forever

Perfect for getting started and building good habits.

  • Budget dashboard
  • Expense tracking
  • Savings goals
  • Daily financial tips
  • AI financial coach
  • Loan amortization
  • Health score
  • Net worth tracker
  • Debt payoff planner
Get started free
Most popular
Pro
$7.99 / month

Everything you need to take full control of your finances.

  • Everything in Free
  • AI financial coach
  • Loan amortization calculator
  • Financial health score
  • Monthly report card
  • Net worth tracker
  • Debt payoff planner (Snowball + Avalanche)
  • Bill reminders
  • Savings buckets
Start Pro free for 7 days
Free guides from the MyDebtFlip blog

Learn while you save

Free personal finance guides written for real people — no jargon, no fluff, just practical advice you can act on today.

Debt Payoff
Snowball vs Avalanche — which should you use?
8 min read
Budgeting
The 50/30/20 rule — the simplest budget that works
7 min read
Savings
How to build a 6-month emergency fund from zero
8 min read
Debt Payoff
10 ways to pay off debt faster without earning more
9 min read
Budgeting
Budgeting for beginners — your complete guide
10 min read
View all articles →
7 free guides

Ready to take control?

Join thousands of people who use MyDebtFlip to build real financial freedom.

Start for free — no card needed