Meet Ember, your debt-crushing companion

Your debt ends here.

Track every debt, build your personalized payoff plan, and crush it forever with Ember — your AI financial companion.

Download on App Store See how it works
Ember the Phoenix
Say hi to Ember 👋
Your debts
3 accounts connected
$24,850
Total owed
$540
Min/month
3
Accounts
Chase Sapphire
Credit card
$4,820
24.99% APR
Sallie Mae
Student loan
$18,680
5.50% APR
Toyota Financial
Car loan
$1,350
6.99% APR
Ember
Ember says
Every payment is momentum 💪
$0
Ads. Ever.
4
Payoff strategies
100%
Free to use
Ember
Ember is with you
Ember the Phoenix companion

Your companion

Meet Ember,
your phoenix.

Ember isn't just a mascot — she's your personal financial companion. She celebrates your wins, keeps you accountable, and makes the journey to debt freedom feel less like a grind and more like a game.

💬
Ember speaks to you — personalized encouragement based on your progress and mood.
🎉
Ember celebrates with you — full-screen victory moments every time you pay off a debt.
🔥
Ember grows with you — level up together as you earn XP and crush your goals.

Everything you need

Built to get you
out of debt

Every feature designed with one goal — getting you to zero as fast as possible.

💳
Connect your bank
Auto-import your credit cards, student loans, and mortgages via Plaid's bank-level security. No manual entry required.
📊
Smart payoff plans
Choose Avalanche, Snowball, or unlock custom strategies. See your exact debt-free date and how much interest you'll save.
Ember
Ember, your companion
Your AI-powered financial companion keeps you motivated, on track, and celebrating every single win along the way.
🏆
Gamified progress
Earn XP, level up, build streaks, and unlock badges as you pay down debt. Every payment brings you closer to freedom.

Simple by design

Three steps to
debt freedom

1
Add your debts
Connect your bank to auto-import everything, or add debts manually in seconds. Debtember handles all the math.
2
Choose your strategy
Pick Avalanche, Snowball, or a custom plan. See exactly when you'll be debt-free and how much interest you'll save.
Ember
Crush it with Ember
Your companion keeps you motivated every step. Celebrate wins, build streaks, and watch your balance hit zero.

Real stories

People are crushing
their debt

★★★★★
"I paid off my Chase card in 8 months using the Avalanche strategy. Seeing the payoff date move closer every week kept me so motivated. Ember is literally the best."
JM
Jessica M.
Paid off $6,200 💳
★★★★★
"Finally an app that doesn't overwhelm you. Connected my bank, saw all my loans in one place, built a plan in under 5 minutes. I'm actually excited to make payments now."
DK
David K.
Down $14k in student loans 🎓
★★★★★
"The gamification is genius. I'm literally competing with myself to pay more each month just to level up Ember. Never thought I'd say debt payoff is fun."
SR
Sofia R.
3 debts paid off 🏆
Ember

Free on the App Store

Start crushing
your debt today.

No subscriptions. No ads. No judgment. Just you, Ember, and your path to financial freedom.

Download on App Store