The plan ends. Here is the date.
Enter the balances once and Last Statement builds the order, the monthly number, and the exact month you make the final payment. Avalanche or snowball, the true cost of each choice, and what one extra $50 a month moves. Then it tracks it to zero.
It is not a budget, a coach, or a course. The figures are arithmetic rather than a verdict, and the only thing on the screen trying to tell you anything is the month the last payment lands in.
§ I — The program
What Last Statement computes, what it refuses to do with it, and the promise attached to the price.
Enter the balances, the rates, the minimums, and what you can put toward them each month. What comes back is a single month: the one your final payment falls in. Every other number on the screen is there to explain that one.
It is arithmetic, not a forecast, so it answers immediately. Change the payment and the date moves while you watch — which is the only feedback a payoff plan has ever actually needed.
The dateAvalanche pays the highest rate first and costs the least interest. Snowball pays the smallest balance first and closes an account sooner. Both are computed, and the difference between them is shown in months and in dollars rather than argued about.
You do not need to be told which is correct. You need to see, once, what the other one costs — and then choose the one you will still be doing in November.
Both ordersThere is no bank login, no credential field, no read-only token, and no aggregation service sitting between you and your accounts. You type the balances in, or hand it a statement to read, and the figures stay on your device.
A debt tool holding bank credentials is a liability wearing the costume of a feature. This one cannot hold them, which makes it a smaller product and a very much smaller problem.
No connectionThe most useful figure in a payoff plan is not the total owed. It is what a small, survivable increase does to the end of it — because that is the lever most people can actually reach this month.
Put an extra fifty in and the date pulls in; the page tells you how far, in months, before you commit to anything. Take the fifty back out in a bad month and it tells you that just as plainly, without changing tone.
The leverOne payment of $39 — a debt tool should not become a bill. Not a trial that quietly becomes a subscription, not a tier where the useful version of your own payoff date is kept. You buy it once and it is yours, through every release that follows.
Thirty days, money back, no reasons asked. The calculator on this site stays free and stays complete — it runs the same arithmetic, in your browser, with nothing to sign and nothing to join.
No ads, no lender referrals, no refinance affiliates. Nobody pays us when you borrow, which is the whole reason nothing in here will ever suggest that you should.
The house's wordA payoff plan is not a motivational instrument, and the debt is not a verdict on the person carrying it. It is a schedule with a final line, and the only honest thing software can do here is show you where that line falls and then keep it true.
Standing prohibitions
Five things Last Statement will not do, held as terms of the program rather than as a roadmap that can quietly change once the money is in.
§ II — The price
The whole program, bought outright, on the day you buy it.
$39
Pay once and the plan is yours, through every release after it. There is nothing to renew, nothing to cancel, and nothing here that quietly turns into a second bill while you are working through the first.
The terms
§ III — Questions
The questions people send before they will type a balance into anything, answered at the length they deserve.
No, and there is no way to. Last Statement has no bank login, no credential field, and no account-aggregation service behind it. You enter the balances, rates and minimums yourself, or hand it a statement to read. The figures stay on your device, which is also why we cannot read them, restore them, or be asked for them by anyone else.
Then it is years away, and you now know which month — which is strictly better than not knowing. Nothing on the screen will soften that or tell you how to feel about it. What it will do is show exactly what moves it: an extra fifty a month, a different order, a windfall put against the right account. The first honest date is usually further out than people hoped and moves more easily than they expected.
Free tools in this category are paid for by somebody — by advertising sold to lenders, by a referral fee on the consolidation loan they happen to recommend, or by a subscription that arrives after the trial. One payment of $39 and we have no further interest in how long you stay in debt. The calculator on this site is free and complete; the $39 buys the plan that keeps itself accurate as you pay it down.
Paying balances down lowers your utilisation, which is one of the larger and faster-moving inputs to a score, so it generally helps. Closing a card once it is cleared is the part that can work against you: it shortens your average account age and cuts your available credit. The plan therefore never tells you to close an account. Last Statement does not pull your score, sell credit repair, or hold an opinion beyond that.
It computes both and you choose. Avalanche, highest rate first, costs the least interest and is the default. Snowball, smallest balance first, clears an account sooner and costs a little more — and the page tells you exactly how much more, in months and in dollars, so it is a decision rather than a guess. Switch between them whenever you like; nothing you have logged is lost.
Account — optional, always. The free calculator asks for nothing at all. A purchase needs an email address to send the key to, and after that the app runs without signing in to anything. Statements you hand it are read to pull out balances, rates and minimums, and are not kept afterwards or used to train anything. We do not sell financial data, and there is no version of this business where we would want to.
The register
Be written in for the day Last Statement opens.
One address, kept on our ledger and used once: the day it ships. No newsletter follows it, and it is never attached to a balance.