DebtDrill

DebtDrill is a mobile + web app that focuses on one thing only: getting you out of consumer debt as fast as possible, without bullshit optimism. You connect your credit cards, personal loans, BNPL accounts, and overdrafts, and the app builds a ruthless, realistic payoff schedule based on your actual cash flow, not fantasy budgets. It simulates worst-case scenarios (job loss, rate hikes, emergencies) and shows you how fragile your plan really is, then forces trade-off decisions: subscriptions to cut, spending categories to cap, and side-income targets to hit. Instead of generic tips, it gives you weekly non-negotiable tasks and shows the real interest cost of ignoring them. You can choose between “aggressive” and “survival” modes depending on how much pain you’re willing to tolerate. There’s no feel-good gamification, just cold numbers, clear deadlines, and constant course correction. It’s built for people who are tired of pretending they’ll magically become disciplined next month and want a system that pushes back when they slip.