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A clearer path forward.
Your balances, payments, and savings in one private space.
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Your debt payoff order
Keep every required minimum payment current first, and cover living expenses and essential savings before paying extra. This is your extra-payment priority, not the order to skip or delay bills. Your bank balance is not automatically treated as available debt money.
The order updates after each saved payment or balance change. Change the method in Your payoff plan below. How the two payoff methods work · CFPB
Bank account
Tracked balance
Not set yetDebt & savings paid today
$0.00Enter what is available right now. Earlier records are already included and will not be deducted again. Setting this amount later corrects the tracked balance. No bank connection or account number is needed.
New debt payments and emergency-savings deposits subtract from this balance. Savings withdrawals add money back. Record other spending or income below to keep it up to date.
Your payoff plan
Estimate uses monthly APR ÷ 12, fixed minimums, and rolls freed payments forward. Excludes fees, new charges, daily interest, and recurring bills. Logged payments reduce principal; log statement interest separately.
Your debts
Not calculated yet
Utilization = card balance ÷ credit limit. Available credit is the unused portion, not the limit. We derive a limit from balance + available credit, then keep that limit fixed as payments change the balance. Pending transactions, holds, and credit-report timing may differ. How utilization works · FICO
Add a debt or update a balance
Record a payment, transfer, or bank transaction
Uncheck the bank option if this payment is already included in the bank balance you entered, or uses another account. New records deduct immediately, including backdated payments. Record payments already made; future-dated entries are not supported. Statement interest does not deduct cash. Bank money in and bank spending always update the bank balance.
Payment & savings history
Balance corrections in the debt form do not change historical records.
Your data
Imports replace your tracker after confirmation. Keep backups private. Original HTML requires migration before import.