Add your debts
Cards, loans, BNPL, and promo APR all live under My Debt so nothing sits in a separate app or email thread.
SHIPPEDWEB APP / PERSONAL FINANCE
My Debt Coach
A free passion project I built after watching young family members juggle payday loans and scattered balances. One calm place for cards, loans, and pay-later plans.
FOCUS
Debt Payoff
FORMAT
Web App
STATUS
Live & Free
NEXT.JSSUPABASESANITYMETA APIBLUESKY
App Snapshot
What My Debt Coach Covers
PAYOFF MODELS
7 Strategies
Snowball, Avalanche, custom order, and four more plans on the same budget.
BNPL TRACKING
Pay Later
Klarna, Affirm, Afterpay, and other pay-later plans live in the same ledger.
PAYMENT COACHING
Next Up
Must pay, Extra, and Focus suggestions surface on Home every time you open the app.
Why I Built It
Overview
I built My Debt Coach for young family members juggling payday loans and scattered balances. I had lived that same spreadsheet sprint in my twenties. One calm ledger for cards, loans, and pay-later plans: compare payoff models, see what is due next, and stay oriented with manual entry.
How It Works
From balances to a plan you can stick with
Plan and compare
Set a monthly budget, pick among seven strategies, and run any two side by side on the Compare tab.
Pay and stay on track
Use the Payments calendar, mark paid or skip, get reminders, and see Next up coaching on Home.
Same monthly budget, two payoff strategies: interest, months to debt-free, and remaining balance.
Buy now, pay later plans stay visible with progress, next dues, and late alerts.
Payments calendar with due coaching: mark paid, skip, or record extra.
Marketing & Discovery
Growth is operated from a live hub
The public site is CMS-driven. Day-to-day social and content marketing runs through agent-ready APIs on the admin portal.
Sanity-driven marketing site
Block-based homepage with hero, features, showcases, and FAQ, editable without redeploys.
Knowledge Base + blog
How-to guides, debt education, and blog posts at /knowledge-base and /blog for organic discovery.
SEO & AEO
Canonicals, Open Graph and Twitter cards, JSON-LD, dynamic sitemap, and llms.txt for AI crawlers.
Measured growth
GTM and GA4 with cookie consent, conversion events for demo, signup, and login, plus in-portal blog promos.
Admin intelligence hub
Internal ops brain for product analytics, Meta and Bluesky marketing automation, and agent-run content publishing. Data connector hubs (BigQuery and more) are next.
Live Demo
Visitors can try the full product without creating an account, so discovery turns into a hands-on session in minutes.
Shipped, free, and open to try
My Debt Coach is live for anyone who wants a clearer payoff plan. More Lab experiments are on the way.