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Get out of debt (for good!)

Debt can be a drag; don't let it slow you down. Make a plan to pay off debt at your own pace with YNAB.

It’s easy! No credit card required.

A couple sitting at a kitchen counter looking at a laptop together

It’s easy! No credit card required.

Less paying interest.
More pursuing interests.

Debt has a way of keeping you shackled to decisions you made in the past, which limits opportunities in the future. Debt also carries a heavy emotional load—it's a significant source of worry.

It's all too easy to feel embarrassed, ashamed, or overwhelmed when you're stuck in the debt-stress cycle. Imagine life without the weight of debt. Imagine the possibilities once it's paid off. Imagine cutting up the credit cards or confidently paying them in full each month. Now stop imagining and start getting good with money. YNAB will help.

YNAB demolishes debt.

We’ve helped thousands of people pay off millions of dollars of debt—and eliminate the money worry that comes with debt stress at the same time. Here’s how it works.

1. Sign up for a free trial

Try our app. Consume our free content. Poke around a bit. Decide if you like us. (We already like you, but no pressure!)
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2. Make a plan

Decide where you want your money to go, experiment with the Loan Planner, organize your payoff plan, and get good with money.
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3. Destroy your debt

You’ll find extra money to put towards monthly payments and your balances will shrink to oblivion. Freedom!
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You might assume getting out of debt is all about sacrifices...

Yes, there were sacrifices, but they felt more like trade-offs. We knew we were making progress on the things that mattered most to us.

Liz

Smiling woman with brown hair wearing dark sunglasses and a black shirt outdoors with trees in the background.

“We paid off $180,000”

Liz and her husband will be the first to tell you they don’t make an excessive amount of money. But with the help of YNAB and by being consistent about their repayment plan, they paid off $180,000 of debt in five years without feeling like they were running a marathon of scrimping and saving.

Read Their Story

What’s your debt pain point?

Help! I feel like I’ll never pay off all my debt!

If the amount of debt you’re in feels insurmountable, we’re here to tell you: you are not alone (or a loan)! Read five debt repayment tips for paying off debt fast from people who have been in your shoes.

Pay Off Debt Fast

Help! I get out of debt only to get right back in!

There’s nothing more frustrating than throwing everything you’ve got at that nasty debt only to have it come pouncing back. If that feels like the cycle you’re stuck in, learn how to make permanent progress.

Stay Out of Debt Forever

Help! I don’t even know where to start.

When you have a small pile of credit card debt, an auto loan, and a tangle of student loans all with varying balances and interest rates, it can be tough to know where to start. So what comes first?

What To Do First

Get good with money

Practical tools for paying off debt

Read the Full Guide

This comprehensive guide will walk you through how to pay off debt and make a plan no matter where you’re starting.

Hands-On Learning

Our always-friendly teachers will show you the step-by-step mechanics of making a debt paydown plan in YNAB.

Talk to the Experts

Debt Video Course

Make your own debt management plan in this approachable, bite-sized, and often hilarious video course.

Watch Course

7-Day Debt Reset

See real examples of people paying off debt

We’re Paying Off $200K of Debt and Saving for a House

See the income and expenses of DINKs as they're aggressively paying down debt (by living with the in-laws) and saving for a house.

See Someone’s Budget: YNAB Money Snapshots

An office admin in California makes $27,800 a year, lives with her family, and spent $11 last month to care for her pet corn snake.

We’re a Family of Six Making $144,000/Year

YNAB Money Snapshots: see the income and expenses of a couple and their four kids living in Connecticut on $144K per year.

A phone with the YNAB app coming out of a squiggly shaped-portal surrounded by sparks and bubbles

Get rid of debt. Get good with money.

With YNAB, you'll find extra cash to pay off current debts, create habits that help avoid new debt, and experience financial freedom in a shorter period of time. So what do you have to lose? (Other than all that debt and stress, of course…)

Browse Features

A friend

sent you a free month of YNAB!

Get out of debt (for good!)

Less paying interest.
More pursuing interests.