MyDebtLens

MyDebtLens gives people in the U.S. a private workspace to plan debt payoff using numbers they enter themselves, with no bank connection required.

Users can add balances, APRs, minimum payments, due dates, income, and expenses, then compare payoff paths such as highest APR first, smallest balance first, custom payment choices, windfalls, and consolidation-style scenarios.

The app helps users see how different choices may affect payoff timing, monthly pressure, interest cost, cash cushion, and upcoming payment dates. It also includes calendar-aware planning, saved reports, workbook-style exports, reminders, ZIP-based local context, and plain-English explanations.

The public site includes free tools such as Can I Afford It?, a quick check for testing whether a possible new monthly payment may fit before taking it on.

MyDebtLens is educational and planning-focused. It does not connect to bank accounts, promise outcomes, or replace professional financial advice.