DebtFreePathways offers free calculators for debt payoff, mortgages, loan amortization, and emergency funds. Unlike most "free" finance tools, we don't push you toward products we earn commissions on — there are none. Every calculator uses the same formulas banks use, runs entirely in your browser, and needs no signup or email. No premium tier, no data stored, no agenda. Just accurate numbers and honest guides.

Hey Product Hunt 👋 I built DebtFreePathways after noticing a gap that kept bothering me. The financial decisions that matter most, paying off debt, buying a home, building an emergency fund, are exactly the ones where it's hardest to find a tool that's both accurate and not quietly trying to sell you something. Most "free" calculators online fall into one of two camps. Either they're oversimplified to the point of being useless, or they're built to funnel you toward a credit card, loan, or advisor the site earns a commission from. I wanted something different. Real bank grade formulas, no affiliate links anywhere, and no data collection. Every calculation runs entirely in your browser, so nothing you type ever reaches a server. Right now there are 6 calculators (debt payoff, mortgage, loan amortization, interest rate comparison, avalanche vs snowball, emergency fund) along with 70+ guides covering debt strategy, mortgage planning, and credit building. All of it is free and none of it requires an account. Would love to hear your feedback, especially if there's a calculator or guide topic you think is missing. I'll be reading every comment here.

How do you actually make money if there are no commissions, ads, or premium tier? Genuinely curious if this is a passion project or if there's a long-term plan to monetize somehow.

How do you keep the site running if there are no ads, affiliates, or premium upgrades anywhere?

How do you actually make money if there are no commissions, ads, or premium tier? Genuinely curious if this is a passion project or if there's a long-term plan to monetize somehow.

How do you keep the site running if there are no ads, affiliates, or premium upgrades anywhere?

DebtFreePathways

Honest debt & mortgage math — no signup, no commissions

Honest debt & mortgage math — no signup, no commissions