Avalanche
Highest interest first
Saves the most interest on paper. But if your most expensive card is also your biggest, your first win can take a long time, and that can feel slow.
Made with women in mind. Built for anyone ready to get out of debt.
You are closer to debt free than you think.
Add your credit cards and see the exact month you will be done, plus how much interest a real plan saves you. Built by a woman who paid off $95,000.
Free to start. No bank login and no ads.
Sound familiar?
You are paying every month. So why does it feel like nothing moves?
“I pay the minimum and the balance barely moves.”
Haluvra puts every extra dollar where it cuts the most interest, so the balance actually drops.
“I am juggling five due dates and five apps.”
Every card in one place, with exactly how much to pay each one this month.
“I honestly have no idea when this ends.”
A real debt free date, and milestones that show you are getting closer every month.
Free debt payoff calculator
See your exact debt-free date.
An example with four credit cards. Move the monthly budget and watch the date change.
You could be debt free by
--
With your plan----
Minimums only----
Free account. Update it as you pay things down.
Estimates assume fixed APRs and fixed minimum payments, with interest charged monthly. Minimums only means paying just each card’s minimum, with no extra.
The Glow Method
Save on interest or get quick wins? Why not both.
The two classic payoff methods each make you give something up. The Glow Method was built for people who want both.
Snowball
Smallest balance first
Quick wins that keep you going. But a high-interest card waits while you clear the small ones, so it usually costs more in interest.
Glow Method
Interest saved plus quick wins
Balances saving interest with early wins, then adjusts every month as your balances change, so your plan fits where you are now, not where you started.
An honest note: on interest alone, the avalanche is still the cheapest method, and the Glow Method does not claim to beat it. It is built to keep you going until the last balance hits zero. It comes with Glow Up, and you can compare all three side by side in the app.
The founder
Built by a woman who paid off $95,000.
Haluvra’s founder is a director-level leader in tech. She paid off $95,000 in consumer debt across six credit cards in under two years.
She could not find an app that showed her the full picture, gave her a real payoff date, or made her feel like the goal was actually achievable. So she built the one she wished she had, for women like her.
That story is not a marketing angle. It is the product.
$95,000paid off
6credit cards
Under 2years
Pricing
Your debt-free date is free. Forever.
Every card, your exact date and both classic payoff methods cost nothing. Glow Up adds the tools that keep you going until the last balance hits zero.
Free
$0
Free forever. No card needed.
- Unlimited cards
- Your exact debt-free date
- Avalanche and snowball, side by side
- Interest saved versus minimums only
- No bank login needed
Glow Up yearly Save 37%
$5/mo
Billed yearly ($59.99)
- Everything in Free
- Glow Method, the debt payoff plan that balances saving interest with early wins
- What-if planner: see your new date as you change the numbers
- Tools to lower your rate, with a call script
- Milestones you earn at 25, 50, 75 and 100 percent
- Goals: when the debt is gone, the same money builds savings
- Payment reminders and a monthly report
Glow Up monthly
$7.99/mo
Billed monthly. Cancel anytime.
- Everything in Glow Up
- Pay month to month
Glow Up is the whole way out in one place: the Glow Method debt plan, what-if planning, tools to lower your rate, reminders and milestones. On the yearly plan that is $5 a month.
Prices in US dollars. Cancel anytime. See pricing details
FAQ
Questions, answered.
Is my data safe?
Our free calculator runs entirely in your browser. Nothing you type is sent anywhere or saved. In the app, you build your plan from the numbers you choose to enter, and your information is never sold.
Is this financial advice?
No. Haluvra is not a licensed financial advisor. All content is for informational purposes only. Haluvra gives you clear math and a plan you can follow, and the decisions stay yours.
Which payoff method is best?
Avalanche pays the highest APR first and usually saves the most interest. Snowball pays the smallest balance first, so you get wins sooner. The Glow Method, available in the app, is built to balance both.
Can I use Haluvra now?
Yes. The Haluvra debt app is open at app.haluvra.com, and you can try it as a guest without signing up.
Where does Haluvra work?
Haluvra currently works best for credit card debt in the US, Canada, UK and Australia. We support USD, CAD, GBP, AUD, EUR and MXN.
What does Haluvra cost?
The free plan is free forever, with unlimited cards and your debt-free date. Glow Up is $5 a month billed yearly ($59.99) or $7.99 month to month.
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The moment you finally see the way out.
Your debt free date is waiting.
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Free to start. No bank login and no ads.