Clear Cut Debt Lab

Are you tired of paying minimums on your credit cards and watching your balance barely move? Clear Cut Debt Lab gives you a clear cut plan to organize every card, know exactly what to pay, and watch your balances drop. Set your personal utilization goal — 10%, 20%, 29%, or anywhere you choose — and the app shows you exactly what to pay on each card to hit it. Every card gets a live utilization ring that turns green when you reach your goal. PAYOFF PLAN Choose Snowball (smallest balance first) or Avalanche (highest APR first). Enter your monthly budget and get a step-by-step attack order, a debt-free date, and a full payoff timeline. BUDGET LAB Set your monthly payment budget. Allocate dollars across your cards live. Tap Hit My Goal to auto-fill the exact amount needed to reach your utilization target on every card at once. UTILIZATION RINGS Every card shows a live utilization ring color-coded to your personal goal. Get every ring green. CLOSING DATE ALERTS Cards closing soon are flagged automatically so you can time your payments and stay on track every month. WHAT IS FREE - 2 credit cards - Utilization rings - Payoff calculator - Custom utilization goal CLEAR CUT DEBT LAB PRO - Up to 10 cards - Full Payoff Plan with Snowball and Avalanche - Budget Lab with Hit My Goal - Closing date alerts - Full payoff timeline - 7-day free trial included - $6.99 per month or $59.99 per year For organizational and entertainment purposes only. Clear Cut Debt Lab is not a financial institution, lender, credit counselor, or regulated financial service. Not financial advice. Consult a qualified financial professional for decisions specific to your situation.