Everything You Need to Crush Your Debt
Powerful tools designed for real people managing real debt — from credit cards to student loans.
Multi-Debt Tracking
Track 6 debt types across USD and CAD with real-time exchange rate conversion.
Smart Calculations
Amortization schedules, 4 payoff strategies, debt-to-income ratios, and target date planning.
Statement Parsing
Upload CSV or PDF statements and auto-categorize across 17 transaction types.
Credit Score Tracking
Track scores across 6 bureaus in Canada and the US with historical trend charts.
Recurring Transactions
Monitor subscriptions and recurring charges with annual projections and category breakdowns.
Visual Dashboard
9 interactive widgets showing debt composition, trends, upcoming payments, and more.
Exchange Rates
Real-time Bank of Canada USD/CAD rates for accurate cross-border debt tracking.
38 Themes + PWA
3 custom financial themes plus 35 built-in options. Install as an offline-capable app.
See It in Action
A glimpse into the tools that help you take control of your finances.
-2.4%
Across all debts
Fair
Avalanche strategy
28 mo
$4,200 interest
31 mo
$4,800 interest
54 mo
$9,100 interest
742
Good
Equifax Canada
Frequently Asked Questions
Yes! DebtLens is completely free for personal use. Track all your debts, run calculations, and export data at no cost.
You can track credit cards, student loans, car loans, mortgages, personal loans, and lines of credit — all in one place.
Yes, DebtLens supports both USD and CAD with real-time exchange rates from the Bank of Canada for accurate cross-border tracking.
Absolutely. We use bank-grade security including encrypted sessions, rate limiting, Content Security Policy headers, and secure authentication via Auth.js.
Yes, you can export your data anytime as JSON (full backup), CSV (debts, transactions, recurring), or PDF (amortization schedules).
DebtLens supports 6 bureaus: Equifax and TransUnion for Canada, and Equifax, TransUnion, Experian, and FICO for the United States.