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Debt Shredder

Debt Shredder has saved hundreds of millions of dollars in interest payments. It provides clients with an easy to use online tool to minimize both time and interest paid on all debt. Our solution provides useful information and smart, specific guidance for finding savings opportunities unique to each user. We want to help people understand and do more with their money.

Imagine the Possibilities

With finances, we too often walk along nearsightedly, stumbling into avoidable financial pitfalls. The blurriness of the way impacts the quality of our decisions. To make matters worse, we can look back on our missteps with surprising clarity. How would you craft your life differently if you knew beforehand the impact of all your financial decisions? The Debt Shredder program does just that using your existing monthly budget.

20/20 financial foresight... imagine the possibilities!

Turn Debt into Wealth

What would you do if you could build wealth and eliminate debt simultaneously, by putting your money to work for you? Would you take a family vacation? Start a college fund? Invest in real estate?

This service can help you achieve your financial goals through the strategic interest cancellation and wealth-building power of the revolutionary Debt Shredder program. 

You can save time and interest on nearly every debt you have. The key is to make your money work smarter, with your existing income. Debt Shredder calculates some of the fastest ways to pay off your mortgage and consumer debt, and build a substantial savings nest egg based on your specific income, payments, living expenses and financial goals. You never have to guess which loans to pay off first, when to pay or how much extra to send.

More Possibilities

Do More Faster, Achieve More Faster.

Debt Shredder offers enhanced features that truly take your financial life to a new level.

  • Comprehensive budgeting system, fine-tuned to the sensitivity of your goals.

  • Enhanced calculations to pay down debt.

  • Software settings that allow changes to how aggressively to pay down debt and build wealth.

  • Ability to pay down multiple properties at the same time.

  • User-friendly software interface.

  • Personalized coaching.

  • Automatic account updates.

  • Helpful client support.

  • The 4 Cornerstone Principals to Eliminate Your Debt:

  1. Interest Cancellation

  2. Strategic Payoff

  3. Time Value of Money

  4. Money Merge Account Software, Coaching and Education system

Accumulate Wealth

Increase Equity, Build Assets, Create Wealth

Debt Shredder goes beyond helping individuals and families achieve success paying down debt — it also makes it possible to accumulate wealth targeted to each client's personal financial goals. Simply enter your financial goals, whether it's to pay off a vacation home, fund early retirement or pursue your wildest dream. Enter all the variables: principal, interest rate, term — even cash rewards on credit cards. 

Using this information, ma Money Merge Live calculates how to pay off debt with some of the fastest payoff results imaginable — and build a substantial savings nest egg.

If you would like to receive a FREE analysis to see if the Debt Shredder can help you, click the button below and a Debt Shredder Team agent will contact you.



Take Control of Your Debt

The Debt Shredder contains algorithms that can target the debt of your choice or calculate the fastest route to zero debt overall through significant savings in interest payments.

Get the Clear, Complete Picture

The Debt Shredder provides a comprehensive picture of your finances by putting all your balances and transactions in one place. We are connected to most financial institutions with internet banking capabilities, saving you hours of research and data entry.

Maximum Returns, Minimum Time

We want to help you reach your personal financial goals, whether you want to pay off your mortgage, credit cards or be completely debt free. The Debt Shredder is there to assist you along the way, and with little change to your current lifestyle.

Your Action Plan

This displays what your typical financial month looks like regarding your current expenses, income, dates and dollar amounts. You can view personalized prompts on smarter ways to use your money.

Auto Pilot

Your financial information is automatically downloaded and categorized daily. No more waiting for your monthly statements to balance your accounts. Create the best possible outcome by using the consolidation wizard to evaluate accounts and merge funds to accelerate your payoff time.

Emergency Fund

The only guarantee in life is that the unexpected will happen, so this tool is designed to help you build a reserve to meet the cost of any unexpected emergencies.

Strategic Payoff

The Debt Shredder uses complex algorithms to prioritize your debt payments to most efficiently reduce interest payments and create more wealth for you.

Financial Dashboard

This is your personalized, customizable dashboard, displaying information to help you make smarter financial decisions, showing you the number of years to pay off debts, how much in interest is saved, the amount of discretionary income you have available, the true value of your resources and much more.


Keep up-to-date on your important financial information. Set up alerts for bills that are due, account security alerts and more.

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