Loan Tamer vs Debtalyst

Loan Tamer helps model loan scenarios and tells you exactly how much you'll save in time and interest by making extra payments against the principal. Calculate payment amount from amount borrowed, term, and interest rate. Or, calculate a loan you can afford based on payment amount. See the immediate impact of regular, extra principal payments and one-time payments. View full amortization schedule in detail and export to Excel or other spreadsheets. Save loan scenarios to recall later or track your current loans.

Take control of your finances with Debtalyst — the smart debt payoff planner that does the heavy lifting for you. TRACK YOUR DEBTS - Add credit cards, loans, and other debts - Monitor balances, interest rates, and minimum payments - See your total debt at a glance MANAGE YOUR MONEY - Log all income sources - Track recurring bills - Understand your true available budget CREATE YOUR PAYOFF PLAN - Choose Avalanche (save on interest) or Snowball (quick wins) strategy - See your projected debt-free date - Watch your progress as you pay down debt EXPLORE SCENARIOS - What if you paid an extra $100/month? - Compare different payment strategies - See how extra payments save you money LEARN AS YOU GO - 8 built-in lessons covering debt basics, payoff strategies, credit, budgeting, and the psychology of money - Terms glossary so financial jargon never trips you up - Guided first-time tutorial walks you through every screen SCAN DOCUMENTS, AUTO-FILL DATA - Snap a photo of a bank statement, pay stub, credit card bill, or handwritten note - Upload PDFs, Excel files, or CSVs - AI extracts your incomes, bills, and debts automatically; review and save with one tap YOUR PERSONAL AI FINANCIAL COACH - Chat with an AI coach trained on your real numbers - Get personalized advice on which debt to tackle first, how to free up cash flow, and what to do next - Streaming answers in seconds CLOUD BACKUP, BUILT-IN - Your data is automatically backed up to your account - Sign in on a new device and pick up right where you left off SOME FEATURES Unlimited debts, incomes, and bills Document scanning with AI auto-fill AI Financial Coach Custom scenario amounts Payment reminders PDF and CSV exports All advanced lessons unlocked Free to start. Premium unlocks everything when you're ready. Start your journey to financial freedom today.