A debt payoff planner for cards, loans and your mortgage
Every credit card, loan and mortgage in one table, each with a payoff schedule built from the payment you make. Add extra principal and see the payoff date move.
A payoff schedule for each account
A mortgage or loan applies exactly your scheduled payment each period: interest on the remaining balance first, the rest to principal. Add a recurring extra principal amount, or change it for a single month. The payoff date, total interest and remaining periods come from that schedule.
If a payment does not cover the interest, the account says so and shows a payoff of "Never" instead of an invented date.
Credit cards
A card you pay in full each statement shows as paid monthly. Otherwise each period pays the minimum you entered plus any extra; with no minimum entered, it is estimated as the interest plus 2% of the balance and marked as estimated.
The whole picture
The cards at the top show credit card debt, statement balance, mortgage debt and the mortgage payoff date. The Debt breakdown chart ranks each account by balance, and Mortgage Horizon draws the mortgage down to zero. Snapshots keep the totals over time, and Net Worth reads the same balances.
Free and paid
Free, by hand
- Every account entered by hand
- Payoff schedules, extra principal and month overrides
- Charts, snapshots and the Dashboard payoff date
Paid, with bank connections and AI
- Cards, loans and mortgages connected through Plaid
- Balances update on their own each day
Try it with your own numbers
Free when you enter figures by hand. Bank connections through Plaid and the AI tools are $8 a month, or $80 a year (2 months free). No card needed to start.