The field
One monster for every debt.
Interest
Why your monsters heal.
Interest is the debt fighting back. The game works it out from each debt's APR and adds it continuously, so a monster's health ticks back up while you watch. When interest lands, monsters attack the wall and show how much they gained per day.
A 0% medical bill barely heals. A store card at 25% heals every single day. Seeing the difference is the first step to deciding which one to hit first.
How the game counts it
Daily heal ≈ balance × APR ÷ 365
Monthly heal ≈ balance × APR ÷ 12
Real lenders compound in different ways (daily, monthly, by statement), so your statement can differ by a little. The game is a planning picture, not a statement.
Try it
The Monster Check-up
Put in one debt and see how fast it heals, when it falls at your pace, and what a little extra each month would do. Nothing you type here leaves this page.
■ balance ■ interest
Estimate with monthly interest and the same payment every month. Not financial advice.
Battle Tactics
Pick your attack order.
Tell Battle Tactics how much you can put toward debt each month (your War Chest). It runs a month-by-month payoff for every plan below, then stars the one that gets you debt-free soonest, with the least interest as the tie-breaker. You can view any plan to compare.
| Plan | Attacks first | Why people pick it |
|---|---|---|
| Avalanche | Highest interest rate | Usually the least total interest paid. |
| Snowball | Smallest balance | Small debts slain fast, so early wins keep you going. |
| Cash Flow | Lowest balance compared to its minimum payment | Frees up a monthly payment fastest. |
Every plan pays the minimums on all debts and puts the rest of the War Chest on the target. A plan that never pays off is never starred.
Daily play
Two minutes a day keeps the horde back.
Daily quests
Three quests a day, like landing a strike, holding a no-spend day, cooking at home, scouting your slay dates, cutting one monthly bill or setting a due-date alarm. Each pays 20 Valor, plus 30 for finishing all three.
Deeds
Log the good things you did in real life: a no-spend day, a meal cooked at home, a bill cut, extra income, a stuffed paycheck. Each pays 10 to 30 Valor the first time each day.
Streaks
Show up and do something for your money each day to grow your streak. A 7-day best streak unlocks the Mimic, and it's yours to keep.
Payment alerts
Turn on due-date alerts and your device reminds you before a payment is due. They're made on your device and nothing is sent to us.
Your Sentinel
Levels come from what you've really paid.
Your Sentinel levels up from the total you've paid toward your debts. Every level up also pays 100 Valor. Valor ranks run from Squire to Legend.
| Level | Total paid | Unlocks |
|---|---|---|
| 2 | $500 | Choose your monsters: pick the creature for each debt |
| 4 | $2,086 | The Flame Arrow, free |
| 6 | $4,977 | The Armory: one armor set free |
Anything a level gives for free can also be earned with Valor, so a smaller debt never locks you out of the fun.
Launch list
Be on the wall when the gates open.
Debt Boss is in private beta. Leave your email and we'll send one message when it opens to everyone, plus the occasional big update.
Your email is used for Debt Boss news only. It is never sold or shared, and every email has an unsubscribe link.