Free · Private · No account needed

Stop guessing.
Start eliminating your debt.

Chunkwise models the fastest path to debt freedom — comparing five payoff strategies, running what-if scenarios, and keeping every number on your device. Not ours.

Get Chunkwise See how it works
No subscriptions
Data stays on your device
No Plaid or bank login
chunkwise.app
Menu
Dashboard
Debts
Cashflow
Scenarios
Net Worth
Avalanche
Snowball
Velocity
Custom
Chase Visa
22.9% APR · 38% paid
$8,400
Priority 1
Auto Loan
6.5% APR · 61% paid
$14,200
Priority 2
Student Loan
4.8% APR · 24% paid
$22,100
Priority 3
Mar '28
Debt-free
$4,280
Saved
14 mo
Sooner
12.1%
WAIR
$0
Subscription
5
Payoff strategies
100%
Data stays on-device
0
Bank logins required
Five Pillars

Everything you need.
Nothing you don't.

Built for people who want debt strategy, not just transaction tracking.

Debt Command Center
Compare five strategies.
Pick the fastest path.
Avalanche, Snowball, Velocity Banking, Custom Rank — compare payoff date and total interest for each, instantly. See exactly how much sooner you can be debt-free.
AvalancheMar 2028 · saves $4,280
SnowballJun 2028 · saves $3,100
Minimum onlyNov 2032 · baseline
Privacy-First
Your data never leaves your device.
No cloud sync. No account. No backend. Everything stays in your browser's local storage.
IndexedDB — never transmitted
No Plaid, no OAuth, no bank login
Export full data as JSON
Open source — verify it yourself
Cashflow Timeline
Never be surprised by your cashflow.
See when money moves across the month. Predict shortfalls before they hit.
Scenario Modeling
"What if I used my tax refund?"
Model any what-if. See the exact impact on payoff date and interest saved before you act.

+$3,000 applied to Chase Visa
→ 4 months sooner · $840 saved

Net Worth & Progress
Watch your numbers move in your favor.
Net worth over time, WAIR reduction as debts are eliminated, and debt-freedom countdown.
+$12k
Net worth YoY
↓8.4%
WAIR this year
The Math

Same debt. Five different outcomes.

Strategy choice isn't just a preference — it's worth thousands of dollars and years of your life. Chunkwise shows you the full picture before you commit.

Avalanche — highest rate first
Saves most
Snowball — lowest balance first
Quick wins
Velocity Banking
Advanced
Minimum only
Costs most
Total debt balance over time ($44,700 starting)
Avalanche
Snowball
Velocity
Min. only
$45k $30k $15k $0 Now 1yr 2yr 3yr Mar '28 Jun '28
How It Works

From debts to debt-free
in four steps.

1
Add your debts
Balances, rates, minimums — credit cards, loans, PLOCs, student debt, anything.
2
Choose your strategy
Avalanche, Snowball, Velocity Banking, or Custom. Compare all four side-by-side.
3
See your freedom date
Payoff date, total interest, month-by-month schedule. Exactly how much faster than minimums.
4
Model what-ifs
Apply a windfall, change a rate, add payments. Watch the impact in real time.
Honest Comparison

Chunkwise is NOT for everyone.
Here's who it's for.

We built a focused tool. Not a budgeting app. Not a bank aggregator. Just the best debt strategy tool available — free.

Monarch Money / YNAB
✓ Transaction tracking
✗ Debt strategy modeling
✗ Privacy-first
✗ Free - $0 cost
✗ Velocity Banking
Chunkwise ✓
✓ Strategy modeling
✓ 5 payoff strategies
✓ Privacy-first
✓ Free - $0 cost
✓ Velocity Banking
Feature Monarch Money / YNAB Spreadsheets Chunkwise
Debt strategy modeling✗Manual✓ Built-in
Velocity Banking support✗✗✓
Strategy comparison (side-by-side)✗DIY✓ Instant
What-if scenario modeling✗Complex✓ Real-time
Privacy-first (no cloud sync)✗✓✓
No account required✗✓✓
Cost~$100+~$0$0
CSV import✓✓✓
Credit monitoring✓✓No- By design
Transaction tracking✓ManualBasic statement upload
Bank aggregation (Plaid)✓✗No - By design
FAQ

Common questions.

Can I connect my bank account?
No Plaid, no OAuth. Chunkwise is privacy-first by design — we don't connect to any financial institution. Instead, import your transactions as CSV exports from your bank. This keeps all your data on your device and eliminates any privacy concerns about third-party access.
What's the catch? Why is it free?
No catch. Chunkwise is a local-first web app — there's no server to pay for, no database, no infrastructure costs per user. Everything runs in your browser. We don't sell your data because we don't have your data. The plan is to keep the core tool free.
What is Velocity Banking?
Velocity Banking is an advanced debt payoff strategy where you use a personal line of credit (PLOC) as your primary checking account. By keeping your income flowing through the PLOC, you minimize the average daily balance — which is what interest is calculated on — and accelerate payoff dramatically. Chunkwise is one of the few tools that models this strategy accurately.
Does it work offline?
Yes. Chunkwise is a Progressive Web App (PWA). Once loaded, it works completely offline. All your data is stored in your browser's IndexedDB — no internet connection required after the initial load. You can even install it to your home screen.
What debt types are supported?
Credit cards, PLOCs, HELOCs, auto loans, student loans, life insurance policy loans, personal loans, medical debt, and mortgages. Chunkwise handles edge cases like deferred loans and variable-rate instruments that most tools ignore.
What happens to my data if I clear my browser?
Because your data is stored locally, clearing browser storage will remove it. We strongly recommend using the JSON export feature regularly to back up your data. You can re-import it any time. This is a deliberate trade-off — local storage means total privacy, but requires you to manage your own backups.
No account. Start immediately.

Your debt has a
payoff date. Find it now.

Open Chunkwise and see your debt-freedom date in under 5 minutes. No email. No password. No subscription. Your data stays yours.

Open Chunkwise — It's Free
No account needed
No subscriptions
Data stays on your device
Works offline