Snowball
Smallest balance first. Quick wins, early momentum — the method for the family that needs to see progress to keep going.
The exit is real. Here's the map.
Know the day
you'll be debt-free.
DebtPath IQ™ interviews you, picks the payoff method that fits your life — not somebody else's — and puts your debt-free date on the screen every time you open it. One evening to set up. One plan that finally fits.
One-time $49.99 $79.99 through
November 30, 2026 · Available now for Windows 10/11 · Mac version
on sale October 1, 2026 · Never a subscription ·
14-day money-back guarantee
Why most payoff plans fail
One size does not fit all.
Every guru hands you the same plan they hand everyone else. But a family scraping to month's end needs breathing room fast — and a family buying a house next year needs their credit score up first. The right order to pay your debts depends on your life. DebtPath IQ™ is built on that truth.
Avalanche
Highest interest first. The mathematician's method — pays the least total interest on the way out.
Cash Flow
Frees up the most monthly money the fastest — for the family that can't make it to the end of the month without borrowing.
Credit Score
Raises your score the fastest — for anyone planning to buy a car or house in the next year.
Not sure which is yours? That's the point — the app's interview figures it out for you.
How it works
Three steps. One evening.
Answer the interview
Plain questions about your debts, your month, and your goals. No jargon, no judgment. The interview recommends the method that fits your situation — and explains why.
Get your plan
Every debt in payoff order, what to pay this month, and what happens next month. Built-in calculators show what a windfall or a consolidation loan would really change.
Watch the date arrive
Your debt-free month and year stay on screen. Update balances as you pay, and watch the progress chart fall — that date is what keeps a family going.
What you get
DebtPath IQ™ for Windows
- All four payoff methods and the interview that picks yours
- Your debt-free date, always in sight — with a progress chart that falls as you pay
- Built-in calculators: debt-free forecast, windfall, consolidation loan
- Private by design — encrypted on your own computer, no account, no cloud
- One license covers 3 of your own computers, and it moves with you
- One-time price. Never a subscription.
- 14-day money-back guarantee — if it is not right for you, email us and we refund in full
- On a Mac? DebtPath IQ™ for Mac goes on sale October 1, 2026
The real Home screen — your debts, your date.
Built by people who climbed out themselves
We're not selling a fantasy from a rented Lamborghini. We carried the debt, worked the jobs, and built the spreadsheets at midnight — then turned what worked into a tool anyone can use. Small company, real product, straight answers from a real person at support@ratraceescapeplan.com.
Fair questions
Before you decide
"Is my information safe?"
Safer than any website: it never leaves your house. Your numbers are stored encrypted on your own computer. No account, no cloud, nothing for anyone to breach. We could not look at your finances if we wanted to.
"Is this another subscription?"
No. $49.99 once, yours forever, on up to 3 of your own computers. When you replace a computer, the license moves with you at no charge.
"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.
The rat race has an exit.
$49.99 once — less than one month's interest for most families carrying a balance. Set it up tonight, and know your debt-free date before you go to bed.
You are buying from Dos Espadas, LLC of Mansfield, Texas — Rat Race Escape Plan is our brand, and a real person answers at support@ratraceescapeplan.com.
DebtPath IQ™ is an educational planning tool, not financial advice. Sold by Dos Espadas, LLC.
Also in the works
The plan doesn't stop at debt.
FocusPath IQ (productivity for people digging out, not burning out) is in development, and free practical AI-skills content arrives on YouTube later this year. DebtPath IQ™ buyers hear about both first.