Get out of debt.
Stay out.
For free.
Organize all your balances in one place. See exactly when you'll be debt-free with a clear payoff roadmap. No credit card required. No hidden fees.
Making payments shouldn't feel like running in place.
You send money to creditors every month, but the balance barely moves. You juggle multiple logins, interest rates, and due dates—hoping you're making the right choice. But without a clear plan, you're just treading water while interest works against you.
Treading water
Minimum payments keep you current, but they keep you stuck.
Guessing games
Which debt should you pay first? You don't have a clear answer.
No end in sight
You have no idea when you'll actually be debt-free.
Enter Nova. Your payoff roadmap.
Nova organizes every balance, rate, and minimum payment into one dashboard. Then it builds you a personalized avalanche payoff strategy—showing you exactly which debt to tackle first, how much interest you'll save, and your debt-free date.
Clear roadmap
See every payment step from now until your debt-free date.
Interest savings
Know exactly how much you'll save by following the optimal path.
Progress tracking
Watch your balances drop and celebrate milestones along the way.
Everything you need to kill your debt
Simple, powerful tools to guide your payoff journey.
Debt Input
Add all your debts—credit cards, loans, student debt, medical bills. Include balances, rates, and minimum payments.
Avalanche Payoff Logic
Mathematically optimal strategy: tackle highest-interest debt first while maintaining minimums elsewhere.
Savings Projections
See exactly how much interest you'll save compared to minimum payments and other strategies.
Progress Tracker
Visual charts showing your balance dropping over time. Celebrate wins as debts get paid off.
Daily Tips
Smart suggestions to accelerate your payoff: extra payment strategies, balance transfer opportunities, and more.
Reminders
Never miss a payment. Get notified about due dates and recommended payment amounts to stay on track.
See Your Path to Zero
Adjust your extra payment to see how Nova accelerates your payoff.
Adjust Your Strategy
Nova Logic: We apply your extra cash to the highest APR debt first. This "Avalanche" move saves you thousands in interest.
Interest Saved
$12,400
Months Saved
38
Privacy First
Bank-level 256-bit encryption. Your data is processed locally and never stored or shared.
October 2027
$18,430
Debt Free!
You've reached your freedom date!
Standard
2035
Nova
2027
Time Reclaimed
8 Years
How It Works
Three simple steps to your debt-free life.
Add Debts
Enter your balances, interest rates, and minimum payments. Takes 5 minutes.
See Strategy
Nova calculates your optimal payoff order and shows your debt-free date.
Track to Zero
Follow the plan, update balances as you pay, and watch your progress grow.
Why is Nova free?
We believe everyone deserves a path out of debt—regardless of their financial situation. Nova is funded by our paid business tools (Stellar, Aurora, Lumina). When you succeed, you might tell a business owner about us. That's the trade.
✓ No credit card required
Sign up with just an email. No trial period, no payment info needed.
✓ Free forever
This isn't a trial. Nova's core features will always be free.
✓ No data selling
We don't sell your data. We make money when businesses buy our other tools.
✓ No paid tiers for Nova
Everything in Nova is free. We offer separate business tools (Stellar, Aurora, Lumina) if you need them.
For business owners...
Nova helps you escape personal debt. But if you're a business owner struggling with cash flow or slow operations, our other tools can help you find the profit to pay off that debt faster.
Important Information
Nova is a planning tool, not financial advice. The calculations shown are estimates based on the information you provide. Actual results may vary based on your specific circumstances, creditor terms, and market conditions.
Data security. Your information is encrypted and stored securely. We never share your personal financial data with third parties for marketing purposes.
Interest rates change. If your interest rates change, update them in Nova to keep your payoff projections accurate.
Consult a professional. For complex financial situations, consider consulting a certified financial advisor or credit counselor.
Frequently Asked Questions
Ready to see your freedom date?
Join thousands who are on their way to being debt-free. No credit card required.
Free forever. No credit card required.