See the day you're debt-free. Then move it closer.
Every loan you connect or add by hand gets its amortization: principal against interest, the payoff date, the interest still to pay. The planner puts an extra amount where it does the most good and tells you what the order is worth.
From a pile of balances to a date on the calendar.
- 1
Bring your loans in
Connect the bank, or add the loan by hand with its balance, rate and payment. Mortgages, auto loans, student loans and cards all count.
- 2
Pick an order
Highest rate first costs the least interest; smallest balance first clears a debt soonest and keeps you going. Type an extra monthly amount and watch the debt-free date and the interest saved move.
- 3
Budget the extra
One click makes a paydown budget for the loan the plan pays first. Budgets measure what actually went beyond the scheduled payment, and the planner opens on it next time.
Real books under the plan.
Amortization per loan
Each payment split into principal and interest, month by month, from the day the loan opened to the day it closes.
Interest saved, in numbers
Every plan is priced against no plan at all: how much interest it avoids and how many months it takes off.
Accruals that post themselves
Loan interest is a standing order in the ledger, posted on schedule, so the balance you see is the balance you owe.
A paydown budget
The extra payment is a budget line like any other, measured against the principal that went beyond the scheduled payment.
Ask the assistant
"What if I put $200 more on the car loan?" — it plans, prices the order, and can budget the extra for you, with your approval.
Cards included
A credit card is a debt with a rate. It sits in the same plan, and a payment to it is a transfer, never spending.
- Do I need to connect my bank?
- No. Add the loan by hand with its balance, rate and payment, and the planner treats it like any other.
- Which order should I pick?
- Highest rate first if you want to pay the least; smallest balance first if a quick win keeps you on the plan. The page shows what each is worth.
- Is the planner on every plan?
- Yes. Payoff tracking and planning are part of the free ledger.
Your debts, on one page, with an ending.
Free during the private beta. Connect or add a loan and the plan is a minute away.