How It Works
From chaos to clarity in 4 steps.
No spreadsheets. No financial advisor appointment. Just honest numbers and a clear path forward.
01
Enter Your Debts
Manually type in each debt — name, balance, APR, and minimum payment. Or upload a CSV in seconds. No bank login required.
- Credit cards, auto loans, student loans, mortgages
- CSV upload or manual entry
- Everything stays in your browser — never stored
Step 1 visualization
0+ users02
We Analyze Everything
DebtMirror calculates your interest bleed, subscription waste, and Financial Health Score across all your data simultaneously.
- Snowball vs Avalanche comparison
- Annual interest cost per debt
- Subscription leak detection
Step 2 visualization
$0+ interest saved03
See Your Payoff Plan
Get your full debt-free timeline with an animated chart. See exactly when each debt disappears and how much interest you'll pay.
- Month-by-month payoff timeline
- Side-by-side strategy comparison
- Impact of extra monthly payments
Step 3 visualization
%0% accuracy04
Share & Take Action
Download your shareable Financial Health Score card. Post it, keep yourself accountable, or use it to track progress over time.
- Shareable image for TikTok, X, Instagram
- PDF export (Pro)
- Email progress tracking (Pro)
Step 4 visualization
0± avg score