BFOD.us Begin your journey

BFOD.us — begin your journey to become debt free

BFOD.us

Know the exact date you'll be debt free — then watch every decision you make move it.

No loans. No balance transfers. No refinancing. No predatory garbage. Just hard work — and an app that keeps you honest about it.

New here or coming back — one tap either way.

Begin your journey Sign in with email
  • 90-day free trial
  • No credit card to start
  • Cancel anytime
Your debt-free date Live estimate

Three numbers, roughly — and your date is on screen before you sign up. Then watch what another $50 a month does to it.

$
$
%

Blank means 22%, about what a card costs.

Fill in what you owe and what you pay, and your date appears here.

Rough, from one blended balance and rate. The real plan usually lands a little later, because the priciest debt clears last.

Make it real — add your actual debts

Nothing you type here leaves this browser. Your numbers come with you into setup, where each debt is paid down on its own terms and the date becomes exact.

Independently built

The rich rules over the poor, and the borrower is the slave of the lender. — Proverbs 22:7

On your phone

Every paycheck, priced on its own.

Open it on payday. It tells you what this check has to cover, what it leaves you to live on, and what's left over — before you spend a dollar of it.

  • The app's home screen on a phone: checking $1,250 counted and savings $1,800 at the top, a six-week balance line, and the Oct 17 – Oct 30 paycheck card reading $2,300 in and $270.97 to live on.

    The paycheck you're living in

    The six weeks ahead drawn day by day, and this paycheck's own line — what came in, what it has to pay, what's left to live on.

  • The app's Savings screen on a phone: $1,800 in savings split into set aside for goals, needed for pay periods ahead and left to reassign, then a What's coming list naming each paycheck's transfer to or from savings and what it leaves.

    Savings that knows what's coming

    Every paycheck ahead, with what it sets aside or needs back — and the lowest the balance will get.

  • The app's Debt Studio on a phone: “At this pace you're debt-free in Dec 2029”, $16,600 to go, a card naming the credit card — $4,200 at 21.90% APR — as where your extra goes first, the Avalanche, Snowball and Custom order, and the car loan beneath.

    Your debt, down to a date

    Avalanche or snowball, it names the debt your extra should hit first — and the month you're done.

Example figures, from a sample household.

111million

The Century Foundation & Protect Borrowers, March 2026

Americans are carrying credit card debt they can't pay off in full.

That's 50% of all cardholders and 40% of U.S. adults. You don't have to be one of them.

The second price tag

Everything you buy has two prices.

The one on the sticker — and the one it costs your freedom. Budgeting apps show you the first. BFOD.us prices your money in time, not dollars: a $1,400 splurge isn't $1,400, it's nine months of freedom you didn't buy.

  • Takeout dinner

    $40

    8 days

    of freedom you didn't buy

  • New TV

    $400

    3 months

    of freedom you didn't buy

  • New kitchen counter

    $1,400

    9 months

    of freedom you didn't buy

  • Or the other way

    +$200 / month

    2 years, 1 month

    sooner — and $4,382 of interest you never pay

Worked from one real plan: $21,000 across a 22.9% credit card and a 6.4% auto loan, paying $470 a month. Your own numbers are worked the same way — against your balances, rates and payments, and it shows its working.

A typical budgeting app

  • Tallies what you already spent
  • Wants your bank login
  • Budgets by calendar month, not by paycheck
  • $8–15 a month

BFOD.us

  • Shows what's coming, and the date it ends
  • Never asks for a bank login
  • Budgets paycheck to paycheck, across month edges
  • From $2.99 a month

Other apps' pricing is their advertised list price and changes often — check theirs before you compare ours.

How it works

Three studios. One plan. One date.

Because the borrower is slave to the lender, we built the tools to break the cycle—pay debt down, build savings up, and give on purpose, all side by side.

Pay it down

Debt Studio

See the exact date you'll be debt-free—then watch it move closer. Add your loans and cards, choose a payoff strategy, and put extra toward the balance to see the time and interest you save.

  • Avalanche, Snowball, or your own custom order—attack the highest interest, the smallest balance, or whatever you choose first
  • Add extra per month and see how many months sooner you're free
  • Debt-to-income and monthly cash flow at a glance
  • Adding a new debt extends your timeline—it never spikes your payment

Build it up

Savings Studio

Turn one balance into real progress on every goal. Set targets and dates, and BFOD.us splits your savings across them automatically—so every goal has a plan, not just a wish.

  • One balance auto-split across your goals by deadline
  • Per-goal progress, plus the weekly or monthly amount to stay on pace
  • Pin a goal's share, or let it auto-split
  • Schedule savings as a recurring payday contribution—a debt in reverse
  • Smooth big annual bills into small payday amounts so they never spike a check

Give on purpose

Giving Studio

Plan your generosity like everything else that matters. Set yearly giving goals—tithes, causes, the people you care about—and BFOD.us keeps your giving on pace right alongside your debt and savings.

  • Set yearly giving goals and track them month to month
  • See the weekly or monthly amount that keeps you on pace
  • Schedule giving as a recurring payday contribution
  • Give intentionally—without derailing your debt-free date
The app's home screen on a desktop: checking counted at $1,250 and savings at $1,800 across the top; a six-week balance line marking the tightest day at $2,172 above the coming paychecks, each with what it leaves to live on; a DEBT panel with $16,600 left to clear and a payoff line ending at Dec 2029, and a 50/30/20 Budgeting card along the bottom: a meter reading Behind — saving 1% with needs, wants and save shares over the month's lanes, each tagged with its slot — in, bills (needs), living (wants), giving (wants), savings (save), still to go out.
One screen: what's in the bank today, the next six weeks drawn day by day, every paycheck ahead with what it leaves to live on, and your debt falling to a date. No spreadsheets. Example figures.
Before it happens

See the day you run short — while there's still time to fix it.

BFOD.us plans in paychecks, not calendar months. Every dollar of income is walked forward against every bill that lands before the next one arrives, so a shortfall three weeks out shows up today — not on the morning the payment bounces.

  • Never blindsided by a big billYearly insurance, a quarterly water bill, that semiannual HOA fee — BFOD.us spots the ones big enough to spike a paycheck and quietly sets a little aside each payday. One $2,400 hit becomes a calm ~$200 a payday.
  • Reminders before the due date, not afterChoose how many days of warning you want and how you get it. The point is to pay on time without holding every date in your head.
  • A budget that follows your paycheckPeriods run paycheck to paycheck and cross month edges, because rent does not care that the 1st is a Tuesday and your money arrives on the 3rd.
The app's next-six-weeks screen: a daily balance line marking the tightest day at $2,172, above the paycheck being lived in — Oct 17 to Oct 30, $2,300 in, $3,090 to live on — opened to its rows: the paycheck, Internet, car insurance, phone and credit card, then the checking balance counted at $1,250, the paycheck still to land, unposted bills, and $3,090 of living expenses — everything the paycheck leaves — with a Send $2,819.03 to savings button beside it.
The tightest day in the next six weeks, named before it arrives — and the paycheck it belongs to, opened to every line, down to what it leaves you to live on. Example figures.

We never ask for your bank login.

Your financial life is personal. There is no bank connection to breach, because there is no bank connection. You enter what you want tracked, every request is encrypted, sign-in is handled by Google, and your data stays yours—never sold, never shared, never used to sell you something.

What that costs you, and what it buys

No bank link means nothing imports itself — you tell BFOD.us what you owe and when it lands. In exchange, there is no credential to steal, no aggregator holding your transaction history, and nothing to sell to anyone.

  • Store expense details, notes, and categories together
  • Categorize spending with flexible tags
  • Log autopay and manual payments side by side
Encrypted in transit
Every request uses modern TLS so the information you send between your device and our servers stays private.
Account security
Sign-in runs through Google, so there's no extra password to leak or forget—your account stays protected by security you already trust.
You control your data
We respect your privacy. Your data is never sold, shared, or monetized through third-party advertisers.

“I built BFOD.us because the budgeting tools I tried did the opposite of what I needed. They looked backward—tallying what I'd already spent—when what I wanted was a clear line of sight to the one thing that mattered: getting out of debt and staying there.”

“It's a one-person shop. When something breaks, it's me who fixes it, and when you email support, it's me who answers—not a queue.”

The developer

Founder · BFOD.us

Read the whole story

Ready to be free of debt?

Start your 90-day free trial—no credit card, cancel anytime. Set up your bills, budget, and payoff plan in minutes.

Monthly

$3.99/mo

Cancel anytime

Best value

Annual

$2.99/mo

$35.88/year — save 25%

Both start with a 90-day free trial. No credit card to begin.

Begin your journey Still have questions? Talk to a human
FAQ

Questions, answered

Everything you need to know before you start your free trial.

Yes. Every account starts with a 90-day free trial so you can set up your bills, budget, and reminders before deciding. No credit card is required to begin.

Legal & Trust

Terms of Service & Privacy

Effective October 30, 2026 · These terms govern your use of BFOD.us. By creating an account or using the service you agree to these terms and our privacy practices.

Read the full Terms of Service & Privacy
Contact us

Need a hand? Reach out.

Share a question, feature idea, or feedback about your personal budget. We read every note and respond with helpful next steps.

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Helpful resources
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Home base
Illinois, USA

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