A debt payoff game · Free to play
Slay your debt. Level up your life.
Debt Boss turns every debt you owe into a monster on the field. Its health is your balance. Interest heals it. Every real payment you log is an arrow from your Sentinel, until the boss falls.
- Never connects to your bank
- No ads, no loot boxes
- Works in your browser
Example debts. In the game, these are yours.
How a battle works
Three steps from a scary number to a slain monster.
Summon your debts
Enter each balance, its interest rate, the minimum payment and the due day. Each one becomes a creature: a Goblin for a credit card, a Golem for a car loan, a Dire Wolf for a mortgage.
Pay, then log it
Pay your lender the way you always do. Then log the payment and your Sentinel fires. The arrow lands for the exact amount and the monster's health bar drops.
Watch the slay date
The Slay Forecast shows when each monster falls at your pace, and Battle Tactics compares Avalanche, Snowball and Cash Flow plans so you can pick your attack order.
Interest fights back
Monsters heal while you wait.
Most payoff apps show interest as a line in a table. Debt Boss shows it working: the game adds interest every second from each debt's rate, so a monster you ignore climbs back toward full health, and you can see exactly how much it took.
The honesty rule
Nothing in Debt Boss hurts a monster except a real payment you made.
Quests, deeds and good habits earn Valor for your Sentinel. Money you save in the Treasury stays there until you actually pay a lender and log it. The game keeps score; it never pretends.
The bestiary
Every kind of debt has its own monster.
Each creature stands on a base that glows in its debt's color. From Sentinel level 2 you can pick which creature stands for which debt.
Goblin
Harpy
Golem
Dire Wolf
Orb
SkeletonBeyond the battle
The fight is the hook. The habits are the point.
The Treasury
Raid your monthly bills, split each paycheck into chests, see a safe-to-spend amount for today, and banish the Leak Gremlins that eat your takeout and shopping budget.
The Treasury →
The Academy
Eleven short lessons, each fought against a creature: needs vs. wants, budgeting, how interest works, credit scores, the minimum payment trap and more.
The Academy →
Valor and the Armory
Daily quests, deeds and on-time payments earn Valor. Spend it on armor sets, spell arrows and new creatures. Valor is earned in play and is never sold.
Valor →
Card Freeze
Decided to stop using a card? Freeze it in the game and its Goblin is locked in a block of ice, with tips for freezing the real card in your bank's app.
Card Freeze →
Subscription Bats
Every subscription you still pay flies over the battlefield as a bat. Cancel one and watch it fly off.
Subscription Bats →
Streaks and quests
Three daily quests, deeds like a no-spend day or cooking at home, and a streak that unlocks the Mimic at seven days.
Quests →Our promise
A money game you can trust with your real numbers.
You're typing in the debts that keep you up at night. We take that seriously. Your game saves on your device, an account is optional, and the usage stats we collect never include dollar amounts or debt names.
- Connect to your bankYou type in what you owe. No logins, no account numbers.
- Move your moneyLogging a payment in the game doesn't pay a bill. You stay in control.
- Sell your data or show adsNo advertising trackers, ever.
- Sell loot boxes or ValorRewards are earned, fully visible, and never random.
- Pretend to be financial adviceIt's a game that helps you see and plan. Talk to a pro for big decisions.
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.