DebtClear was built on a single observation: most financial planning tools are either too complex, too expensive, or require data you are not willing to hand over to a third party. We set out to build free, private, browser-based tools that work for real households — not just financially sophisticated ones.
Since our first calculator went live, 4,217 budgets have been created and 183 households have reported meaningful changes to their savings rate after using our tools. We measure success by outcomes, not page views.
Four principles that shape every tool and article we publish.
All calculations run locally in your browser. No financial data is transmitted to our servers, stored, or used for any purpose.
We do not round numbers to feel encouraging. Accurate information — even when uncomfortable — produces better financial decisions.
Financial literacy should not require a degree or a paid advisor. Our tools and guides are designed for anyone willing to engage with their numbers.
We do not sell financial products, receive referral commissions, or partner with lenders. Our only incentive is accuracy and usefulness.
Three practitioners with backgrounds in financial planning, behavioral economics, and product development.
Margaret leads content strategy and tool methodology. She brings 11 years of client-facing financial planning experience, with a focus on debt restructuring for middle-income households.
Daniel oversees the quantitative logic behind each calculator. His background in behavioral economics research ensures that the tools account for how people actually make financial decisions.
Fiona manages the blog and handles user inquiries. Her experience with over 400 structured debt elimination cases gives the site's guidance a practical, case-grounded foundation.