Get out of debt
See your debt-free date, know exactly where to send every extra dollar, and keep going with people doing the same thing. Watch the short tour.
$97 one time · no subscription · your numbers stay on your device
Everything below is included for $97, one time.
The problem
Your debts are all over the place, and you can't tell when you'll be done.
What you get
The Clearora™ Debt Payoff Dashboard
Put in your credit cards, car loans, personal loans and mortgage once. The Dashboard shows them together: what you owe, what you pay each month, the month each one is gone, and your debt-free date.
The problem
You have some extra money but don't know where to send it.
What you get
Every calculator, rolled into one plan
The credit card calculator compares three ways to pay (minimums only, highest rate first, smallest balance first) and shows where each extra dollar does the most. Balance transfers, car loans, personal loans and your mortgage are in the same plan.
The problem
You want to understand the plan, not just see numbers.
What you get
The 36-page manual
A step-by-step guide to the dashboard and to the methods behind it: the avalanche, balance transfers done right, paying loans off early, and what to do if you can't make the minimum, with call scripts and free nonprofit phone numbers.
The problem
Life changes. A raise, a late fee, a new card.
What you get
A plan that keeps up with real life
Come back any month. Type your real balances from your statements and any new amount you can pay, and the plan picks up from where you are today. The months behind you stay as they were.
The problem
Doing this alone is hard.
What you get
A walkthrough video and the private community
A walkthrough video shows you how to set it up. In the private community you can ask Brian your questions, and share every payoff with people working on the same thing.
$97 one time · no subscription · your numbers stay on your device
No monthly fee. You get the community, the manual, the walkthrough video and your dashboard login.
Your balances, rates and payments, from your statements. Your numbers stay on your own device.
See your debt-free date and where to send extra money. Come back each month and update it.
No subscription. Your numbers stay on your device.
No. It is an educational tool and a guide to using calculators. It does not take the place of a financial advisor, a financial planner, a nonprofit credit counselor or an attorney. For advice about your own situation, talk to a qualified professional.
Yes. You pay $97 once. There is no subscription.
Nowhere. Everything you type stays in the browser on your own device. Nothing is uploaded and you are never asked for a card or account number. You can save your plan to a file and open it on another device.
Yes. Chapter 7 of the manual is the step-by-step plan for when you can't make the minimum: what happens as a payment slips, scripts for asking your card company for a hardship program, and the phone numbers of free nonprofit credit counselors.
No. You type in your balances, rates and payments; the dashboard does the math and shows the results in plain words.
Yes. It works in the browser on a phone, tablet or computer. There is nothing to install.
Skool is the website that hosts the private community. When you join, you get access to the community, where the manual, the walkthrough video and your dashboard login are waiting.
Who made it
Brian runs Hack Your Finances and its YouTube channel, where he explains credit cards and getting out of debt in plain words. He built the dashboard to put every one of those calculators into one plan.
$97 one time · no subscription · your numbers stay on your device