Pay Off Debt Faster

Create a strategic plan to eliminate credit cards, loans, and other debts

Use proven debt payoff strategies like the snowball or avalanche method. Budgetocity helps you allocate extra money toward debt while still covering your essential expenses.

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How Budgetocity Helps You Get Out of Debt

Prioritize debts with proven payoff strategies

Allocate extra income toward debt payments

Track progress on each debt account

Stay on top of bills while paying down debt

Features That Help You Succeed

Zero-Based Budgeting

Give every dollar a job, including extra payments toward debt.

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Income-First Planning

Plan how to use each paycheck to make progress on debt while covering bills.

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Custom Categories

Create debt payoff categories to track progress on each account.

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What to Do With an Extra Paycheck (So It Actually Helps You)

Knowing what to do with an extra paycheck before it arrives turns found money into real progress. Here are five smart ways to put that third check to work.

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How to Budget Your Paycheck Every Time (Even When Money Is Tight)

Learn how to budget your paycheck step by step so every dollar has a job before you spend it, even when money is tight. A simple five-step plan.

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How to Budget Paycheck-to-Paycheck on a Low Income

A simple paycheck budget when money is tight connects every dollar to a specific payday. Here is a five-step plan you can start this week with the income you already have.

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Start Your Debt-Free Journey

Create a budget that prioritizes debt payoff and track your progress.