See Every Debt.
Then See The Way Out.
bank-level security
Debt-free date
When will you be debt-free?
What you owe, what you pay, your rate. The month moves as you drag.
22.4% is the average rate banks charged on cards carrying a balance, Federal Reserve G.19, August 2026. See the release
Enter an APR from 0 to 60.
Your numbers stay on this page. Worked out month by month the standard way: interest is the balance times the APR divided by 12, and each payment covers that month's interest first. Fees and new charges are not counted.
Avalanche vs Snowball:
See Which Strategy
Saves You More
Avalanche pays highest interest first, saves the most money. Snowball pays smallest balance first, builds momentum faster.
Banrox calculates both with exact payoff dates and total interest. Pick your strategy, see which account to target this month, and how much you save by adding extra payments.
Everything You Need To Pay Off Debt Faster
payment slider, and see refinancing offers that could cut your interest rate. All in one dashboard."
Complete Debt Overview
payment in one place.
Avalanche vs Snowball Comparison
you more money.
Real-Time Savings Calculator
timeline changes.
Estimated Payoff Timeline
cost under each strategy.
Refinancing Options
reduce your interest rate.
No Credit Score Impact
does not affect your credit score.
Secure Debt Analysis Built
On Enterprise Infrastructure
encryption. We never store your bank credentials
or have write access to your accounts.
Live Credit Report Data
in real time.
Read-Only Credit Data Access
256-Bit SSL Encryption
encryption at all times.
FCRA Compliant Data Handling
Frequently Asked Questions
What does Debt Navigator actually do?
With your written authorization, Banrox reads the accounts on your credit report and lays out every balance and minimum payment in one place. It then calculates the Avalanche and Snowball strategies side by side, with an estimated payoff date and total interest for each, so you can pick a plan and see which account to target this month.
What is the difference between Avalanche and Snowball?
Avalanche pays the highest-interest account first and usually saves the most money. Snowball pays the smallest balance first, which clears accounts sooner and builds momentum. Banrox shows both so you can choose the one you will actually stick with.
Does Banrox negotiate, settle, or pay my debts?
No. Banrox is a technology company, not a debt settlement company and not a lender: it shows you the math and the plan, and you keep making every payment directly to your creditors exactly as you do today. Nothing changes on your accounts unless you change it.
Does using Debt Navigator affect my credit score?
No. Banrox obtains your credit information with a soft inquiry that only you can see, and viewing refinancing options is a soft inquiry too. A hard inquiry happens only if you choose to apply with a lender on its own site, and that lender must tell you first; the detail is in Credit Data and Your FCRA Rights.
Can Banrox change anything on my accounts?
No. Access is read-only: Banrox can see the account information needed to build your plan but cannot move money, make payments, or change anything with your creditors, and it never stores your bank login credentials.
Where do the refinancing offers come from?
They are published offers from partner lenders, shown so you can compare them against your current plan. Banrox does not lend and does not decide whether you qualify; the lender sets your actual rate after you apply on its site. How Banrox is paid, and why that cannot change the order of a comparison, is in the Advertiser and Affiliate Disclosure.
See Your Exact Payoff Date.
Build Your Plan In 3 Minutes.
and savings. Connect your accounts, compare strategies, see your debt-free date. Takes 3 minutes.
Pasadena, CA 91107
Before you rely on anything on this page
Banrox does not decide. Banrox Inc. is a technology company. It is not a bank, a lender, a loan broker, or a credit repair organization, and it does not approve, deny, price or underwrite any credit product. Every decision belongs to the bank, lender or issuer, under its own criteria and its own licences.
Nothing here is an offer. Rates, payments, limits and terms shown on this site are published information or arithmetic estimates. They are not quotes, not pre-approvals and not offers of credit. Your actual terms depend on the provider's review of your application. See where these numbers come from.
Equal Credit Opportunity Act. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning Banrox Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580. More on fair lending.
How Banrox is paid, and why payment cannot change the order of a comparison: Advertiser and Affiliate Disclosure. Full terms: Terms of Service.
Banrox Inc., 40 N Altadena Dr Ste 105, Pasadena, CA 91107. Every legal document is at Legal and Disclosure. To complain to a regulator instead of to us, the addresses are at Complaints and Regulator Contacts. You never have to come to us first.
