MyDebtLens
Plan debt payoff scenarios without connecting your bank accounts
What is MyDebtLens?
MyDebtLens is a U.S.-focused debt payoff planning workspace. Users enter balances, APRs, minimum payments, due dates, income, and expenses, then compare payoff scenarios, payment timing, monthly pressure, and possible roadmaps. No bank connection is required. It also offers a free Can I Afford It? tool and source-backed public articles. MyDebtLens provides educational planning tools and does not offer financial advice, lending, debt settlement, credit repair, or counseling.
- Debt details are scattered across statements, apps, and spreadsheets.
- Minimum payments make it hard to see when debt may actually be paid off.
- New payments can look affordable without showing their effect on the monthly budget.
- Many people want planning tools without connecting another app to bank accounts.
- Enter balances, APRs, minimums, due dates, income, and monthly expenses.
- Compare payoff routes, payment timing, monthly pressure, and different scenarios.
- Review charts, calendars, and reports that turn the numbers into a practical plan.
- Try the free Can I Afford It? tool before taking on a new payment or expense.
Key Features
Debt payoff planning
Scenario comparison
Payment calendar
Monthly cash-flow view
Payoff charts and reports
Can I Afford It? tool
No bank connection required
Debt education articles
Integrations
Fabio AI Chatbot
AI Chatbot for Wordpress
Questions & Answers
Have a question?
For someone juggling several cards with different due dates, does the payment calendar adjust when a due date lands on a weekend or holiday, or does it always show the original statement date?
Hi Stacy and thank you for an excellent question! MyDebtLens keeps the due date exactly as the user enters it from their lender or card statement. It does not automatically move the date when it falls on a weekend or holiday, because electronic-payment deadlines may still apply on the original date. We may add an optional earlier reminder for those dates, but the calendar would continue to show the lender-provided due date unchanged.