Libertas tracks every loan, credit card, and BNPL account in one place — then shows you the fastest, cheapest way out.
No credit card required · Free forever
Built around the tools that actually move the needle.
Loans, credit cards, and BNPL accounts unified in one place. See exactly what you owe, to whom, and when you'll be free.
Compare snowball vs avalanche side-by-side. Simulate extra payments and see how much interest you can save.
Model balance transfers and consolidation loans in seconds. Know instantly whether it's worth it before you apply.
Track income, monthly expenses, and your rainy day fund alongside your debts — so you always know what's left.
Sign up in seconds, add your debts, and see your debt-free date — all before dinner.
Start your journey