BalancePilot

BalancePilot helps you decide what to pay next, understand the impact of your financial decisions, and build a realistic plan toward becoming debt free. Whether you’re paying off credit cards, auto loans, student loans, medical bills, personal loans, or other debt, BalancePilot gives you a clearer picture of your balances, payment obligations, utilization, and overall progress—all in one place. PLAN BEFORE YOU BORROW Understand how a new loan or purchase could affect your payoff journey before you commit. • Loan Impact Preview • Compare multiple loan offers • Save Planned Loans • Purchase Impact forecasting • Scan loan paperwork to auto-fill loan details • Estimate payoff timeline changes KNOW WHAT TO PAY NEXT BalancePilot analyzes your balances, due dates, minimum payments, utilization, planned payments, and available cash to help you prioritize what needs attention next. • Personalized payment recommendations • Due date and statement tracking • Planned Payments & AutoPay tracking • Credit utilization guidance • Credit Score Focus planning mode • Payday-aware payment planning • Smart account insights COMPARE PAYOFF STRATEGIES Explore multiple payoff approaches and see how different decisions affect your debt-free date, monthly plan, and total interest. • Avalanche strategy • Snowball strategy • Smart Hybrid strategy • Accelerated Payoff strategy • Credit Score Focus mode • Custom payoff order testing • Projected payoff path MANAGE PAYDAY CASH BalancePilot helps you plan around real cash flow—not just balances. • Add available cash • Set aside protected cash • See what is safe to pay now • Separate minimums due before payday from after-payday obligations • Plan extra payoff after minimums are protected • Track upcoming payments and due dates TRACK ACCOUNTS MANUALLY BalancePilot is built for people who want control without connecting bank accounts. • Add credit cards, loans, and other debts manually • Track balances, APRs, minimum payments, due dates, and statement dates • Monitor utilization • Mark payments as paid • Plan future payments • View account-level insights PREVIEW NEW LOANS Before taking on new debt, BalancePilot helps you understand how it may affect your plan. • Estimate new monthly payments • Compare offers • Preview debt-free date changes • See if a loan fits your payoff plan • Save planned loans before activating them STAY ORGANIZED Use BalancePilot to keep your debt payoff plan clear and realistic. • Payment calendar • Upcoming timeline • Needs Attention alerts • Deferred-interest promo tracking • Payoff progress charts • Exportable payoff summaries • Statement import support for eligible U.S. statements BALANCEPILOT PRO Upgrade to unlock advanced planning tools, including: • Loan Impact Preview • Compare Loan Offers • Planned Loans • Statement PDF Analyzer • Export Payoff Summary • Premium planning insights BalancePilot does not provide financial, legal, tax, or credit advice. Recommendations are estimates based on the information you enter and may not reflect actual lender behavior, credit-score changes, or interest calculations. Always verify payment amounts, due dates, and payoff details with your lenders.