Snowball
Pay off your smallest balance first. Wiping out a whole debt fast gives you a win — and wins keep you going.
Your exit if: You need motivation and fewer bills, fast.
DebtPath IQ™ for Windows
There is a date when your debt is
gone.
You just can't see it yet.
You know the weight. The minimum payments that never move the balance. The month that ends before the money does. DebtPath IQ™ takes your real numbers and shows you the thing debt hides from you: the actual month and year it's over — and the fastest way for you to get there.
One-time price · Windows 10 / 11 · Your data never leaves your computer
Sound familiar?
Debt doesn't crush you all at once. It crushes you a month at a time.
You pay what the statements ask. You skip the things you used to enjoy. And next month the balances look almost exactly the same.
Maybe you tried the famous advice — pay the smallest debt first, stay motivated, snowball your way out. And maybe it didn't work, because every dollar was already spoken for before the month began.
Here's what nobody told you: none of that means you're bad with money. It means you were handed a one-size-fits-all plan — and it didn't fit your life.
The discovery
There isn't one way out of debt. There's your way out.
No woman buys a one-size-fits-all dress. No man buys boots from a store that stocks one size and swears it "fits everybody." Yet that's exactly how most debt advice is sold: one method, one order, one plan — for every family in America.
The truth is simpler and kinder. Some people need quick wins. Some need to pay the least interest. Some need to raise their credit score before a car or a house. And some people — maybe you — first need breathing room in the monthly budget before any payoff plan can work.
Four different situations. Four different exits. DebtPath IQ™ is the first debt app built around that fact.
One size does not fit all
Four methods. Four different exits.
Each one is a complete payoff plan, sorted for your real debts. The question is which one fits you — and you don't have to guess.
Avalanche
Pay off your highest interest rate first. This is the math-smart order — it costs you the least money over time.
Your exit if: Money isn’t too tight and you want the cheapest way out.
Cash Flow
Pay off the debt that frees up the most monthly payment for the least money. It puts cash back in your budget the fastest.
Your exit if: The month runs out before the money does — and you keep borrowing for basics.
Credit Score
Pay down the cards dragging your credit usage the most — under 30%, then 10%, then 8%. Built to raise your score the fastest.
Your exit if: You need to buy a car or a house in the next year.
Which exit is yours? The interview finds out.
When you first open DebtPath IQ™, it asks you a few plain questions — what matters most to you, and whether money runs short before payday. Then it recommends the method that fits your answers, and explains why in plain English. Change your mind later? Switch methods anytime, and your whole plan re-sorts instantly.
Why this app is different
Most tools stop at two methods. DebtPath IQ™ gives you four.
Your financial co-pilot
Answers to the questions that keep you up at night
A payoff order is just the start. DebtPath IQ™ ships with built-in calculators that run the "what if" math you'd never do by hand.
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"When will I be done?"
The Out-of-Debt Forecast takes one number — what you can put toward debt each month — and shows your projected debt-free date under all four methods, side by side, with the total interest each would cost. As your balances update, the date updates with them. Circle it on the calendar.
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"I got a bonus — what's the smartest move?"
The Pay-Down Calculator takes a windfall — a tax refund, a bonus, unexpected cash — and works out which debts it can wipe out completely, and exactly how much your monthly bills drop. No guessing which balance to hit.
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"Should I take a consolidation loan?"
The Consolidation Loan Calculator models the loan before you sign: which debts it should pay off, how much monthly payment it frees, and whether it saves you interest overall — or quietly costs you more. It will even refuse to move cheap debt onto a pricier loan.
Picture it
What the other side feels like
The month ends — and there's money left. You breathe out.
Dinner out with your family, paid in cash, no knot in your stomach when the check comes.
A vacation you booked without a card. A statement you open without bracing yourself. And one day — the big one — the backyard burn-the-mortgage party, the last payoff letter turning to ash while your kids watch.
That day has a date. DebtPath IQ™ can't make the payments for you — but it can show you the date, keep it in front of you, and make sure every dollar you find moves it closer.
Who built this
Built by an engineer who dug out himself
- Every formula documented and tested. The payoff math behind all four methods runs through an automated test suite before any version ships. No black box.
- Your data never leaves your computer. Stored in an encrypted database on your own machine. No account, no cloud, no "sharing with partners." Ever.
- One-time price. $49.99, once. Not a subscription quietly compounding against you.
- A small company with its name on the door. DebtPath IQ™ is built and supported by Dos Espadas, LLC — real people who answer their support form.
Every debt you erase is dirt out of the tunnel. Dig on.
Questions
Fair questions, straight answers
What exactly is DebtPath IQ™?
A Windows desktop app that interviews you about your money, recommends the payoff method that fits your life, and then keeps you on track — with your debt-free date, a payoff order, progress charts, and what-if calculators. Your numbers, your plan.
Is it a subscription?
No. You pay $49.99 once and you own it. No monthly fee. A subscription would be a strange thing to sell to people trying to cut their monthly bills.
Where does my financial data go?
Nowhere. DebtPath IQ™ works entirely on your computer. Your data is stored in an encrypted database on your own machine and is never sent to the internet or to any company. We could not read it if we wanted to.
Which computers does it run on?
Windows 10 and Windows 11. It is a real desktop app — no browser, no account, no internet connection needed after you install it.
Do I need to understand finance to use it?
No. You answer a few plain-English questions, enter your debts, and the app does the math and explains every result in everyday words. If you can fill in a form, you can use DebtPath IQ™.
What if the popular “snowball” advice hasn’t worked for me?
That’s exactly why this app exists. The snowball is a fine method — for some people. If your real problem is that the month runs out before the money does, you likely need the Cash Flow method first: free up monthly cash, get breathing room, then attack the balances. The interview figures that out with you.
Is this financial advice?
No. DebtPath IQ™ is an educational planning tool. It shows you the math on your own numbers so you can make better-informed decisions. For advice about your specific situation, talk to a qualified financial professional.
Your way out has a first step. This is it.
One evening entering your debts. A method that actually fits your life. A debt-free date you can circle on the calendar. That's the trade — for $49.99, once.
Get DebtPath IQ™Instant download · License key by email · Secure checkout
DebtPath IQ™ is an educational planning tool, not financial advice. Results are estimates based on the numbers you enter.