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
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.
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.
Try the free debt payoff calculator
Questions, answered.
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.
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.
Is my data safe?
The calculator on this site 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.
Do you sell my data?
No. We don't sell your data.