One membership. Three ways to pay.
Talk money with Atlas. Keep your conversations. Leave the ads behind.
A short commitment
Billed every week. Cancel anytime.
Full Premium, every day
All features included. No feature tiers.
Included in Weekly
Plus applicable tax.
Month-to-month flexibility
Billed every month. Cancel anytime.
Full Premium, every day
All features included. No feature tiers.
Included in Monthly
Plus applicable tax.
A full year of Premium
About $2.50/month, billed yearly.
Save 87% vs. paying monthly.
Your first 7 days are free
$29.99/year after trial, plus applicable tax.
Included in Yearly
New subscribers only. Card required.
Yearly comparison: 12 monthly payments total $239.88. The yearly plan is $29.99. This is a billing comparison, not a previous price.
Subscriptions renew automatically. Cancel in billing settings before your trial ends to avoid the first charge. Free calculators remain free.
Atlas, your AI debt advisor
Ask anything, 24/7: which debt to pay first, whether to refinance, how to survive a surprise bill.
Personal payoff roadmap
A month-by-month plan built around your real income, bills and goals — updated whenever life changes.
100% ad-free
Every calculator, zero distractions.
Budget & savings planner
Atlas finds money hiding in your budget and points it at your debt.
Negotiation scripts
Word-for-word scripts to ask for lower rates and waived fees.
Milestone tracking
Celebrate every paid-off balance and keep momentum going.
“Atlas found $340/month I didn't know I had. Card's gone.”
Maya R., Denver
“Paid off $27k in 22 months. The plan just works.”
Jordan T., Austin
“Cheaper than one late fee and way more useful.”
Priya S., Columbus
Ryan
Credit card payoff
$8,200 cleared in 19 months
Two maxed cards. Switching to avalanche and adding $250/month cut his payoff time in half.
Arjun
Student loan refinance
$11,400 in interest saved
Refinanced from 7.8% to 4.9% after the calculator showed the real lifetime difference.
Sofia
Snowball vs avalanche
4 debts down to 0
Chose snowball for quick wins. Paying off the smallest card first kept her motivated.
Marcus
Mortgage payoff
6 years shaved off
One extra $200 payment each month took his 30-year mortgage down to about 24 years.
Results shown are illustrative. Atlas provides educational guidance, not licensed financial advice.
PayMend