Debt tracking that’s clear and judgement-free
The debt tools are designed to help you understand your situation clearly, stay on top of key dates, and move forward at your own pace.
Whether you’re dealing with one credit card or multiple debts, everything connects in one place.
Add and track your debts
As a free member, you can add up to three debts, including:
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Credit cards
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Personal loans
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Mortgages
For each debt, you can capture the details that actually matter:
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Current balance
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Credit limit (where relevant)
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Minimum payment or minimum payment percentage
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Payment due date
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Goal payoff date
To reflect the reality of modern borrowing, you can also:
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Split each balance between 0% promotional periods and interest-bearing balances
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Set expiry dates for 0% deals
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Add the interest rate that applies once the promotion ends
This ensures your tracking stays accurate and gives you one source of truth.
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Don’t lose sight of the progress you’ve already made
Debt progress doesn’t start from zero the day you sign up.
With the “paid before app” field, you can include everything you’ve already paid off, so you always see the true scale of your progress.
Your debt dashboard - everything at a glance
The debt dashboard gives you a clear overview of your entire debt picture, including:
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Total debt remaining as a whole, and broken down into credit cards and loans and mortgages
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Total paid to date
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Total of all minimum payments
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Estimated monthly interest
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Highest interest rate across your debts
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Upcoming 0% deal expirations
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Recent payments
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A visual graph showing your debt progress over time
Payment reminders and easy logging
Stay on top of payments with in-app payment reminders tied to your due dates and a simple payments section where you can log payments towards or against any debt and add any interest added to your debts when your monthly statement comes in.
Every payment updates your balances and progress automatically - so even small wins feel visible.
Unlock smarter planning with premium tools
Premium members get access to deeper planning tools, unlimited debt tracking, and access to:
Debt calculators
Model different scenarios based on debt payoff time, the impact of extra payments and debt consolidation.
Payoff planning
Model different payoff strategies and see what works best for you, including the Snowball, Avalanche and Highest balance methods.
These tools let you compare approaches without committing - helping you choose the most effective and sustainable path forward. with a full payment timeline and information on debt payoff time and interest to be paid.
Net worth tracking
With the net worth tracker, premium members can see their net worth increase, as their debts decrease, add assets alongside liabilities and track progress toward financial wellness - not just debt freedom.
