Instead of asking "When will I be done?", Dial-a-Date flips the script and asks "When do you want to be done?" Then it does the math.
Video: Debt Snowball Hack • Dial-a-Date in under 60 seconds
The traditional approach starts with a fixed payment and treats your debt-free date as the unknown. Dial-a-Date reverses this. You start by choosing your target debt-free month and year, then the software computes the payment it will take to get there.
That single shift turns a vague someday into a clear finish line you can aim at.
Pledge money is the extra amount, if any, that you decide to commit to your debt payoff plan each month.
The more pledge money you can use, the faster you get out of debt and the more interest you save. But here is the good news: you do not need any extra money for the program to work. Dial-a-Date can still build a payoff plan using only the money you already send to your debts.
Helping people build better debt-free futures since 1991.
Individuals, couples, and professionals using the same engine behind Dial-a-Date.
Real-world debt payoffs created with ZilchWorks software.
The same debt snowball engine that powers Dial-a-Date was featured on Good Morning America, helping viewers understand how to get out of debt faster.
Watch the GMA segment
Let Dial-a-Date show you the monthly payment that will get you debt-free by the date you choose, then watch the snowball do its work.