How Debtfreeo Makes Money
Debtfreeo's business model is simple: free calculators first. Learn how the site plans to remain sustainable without selling your data.
Our core calculators and educational content are free now and will stay free. This page explains how we plan to keep the lights on without compromising your trust.
Current revenue
Debtfreeo currently does not generate revenue. The site is a solo project funded and built by Vishnu Raj, the founder.
Future revenue options
We may introduce optional premium features in the future, such as advanced scenario planning, PDF exports, or stored debt plans across devices. Any premium feature will be optional and will not remove functionality from the free version.
What we will not do
- Sell your personal or financial data.
- Accept paid placement in calculator results.
- Show affiliate links without clear disclosure.
- Recommend specific lenders, debt settlement firms, or credit products.
Independence
Every recommendation, calculator output, and article is based on standard financial math and independent research.
Popular Debt Tools
- Debt Snowball Calculator
- Debt Avalanche Calculator
- Debt Free Date Calculator
- Extra Payment Impact Calculator
- Debt Consolidation Calculator
- Debt-to-Income (DTI) Calculator
- Credit Card Payoff Calculator
- Free Debt Payoff Spreadsheet
- Debt Validation Letter Template
- Browse all tools · Browse UK tools
Latest Articles
- View All Blog Posts
- Snowball vs avalanche in a spreadsheet: a worked example
- How to use a debt payoff spreadsheet in Google Sheets
- Debt validation letter vs debt verification letter: the real difference
- Debt validation letter checklist: exactly what to ask for
- Zero-based budgeting: give every dollar a job