Debt Planner: Payoff & Gap

Debt Planner is a cash-flow control room for people who are spending more than they take in and want a straight answer about how to fix it. THE MONTHLY GAP Enter your take-home pay, your fixed costs and your debts. Debt Planner averages your real variable spending over the last three complete months and shows one number: how far short (or ahead) you are every month. No guesses, no rosy budgets. BRING IN YOUR TRANSACTIONS Import bank and card statements as CSV, Excel, OFX/QFX or PDF, or connect your banks through SimpleFIN Bridge for automatic daily sync. Duplicates are caught automatically. Hundreds of built-in merchant rules categorize spending for you, and one tap fixes a category and applies it to similar transactions. EVERY DEBT IN ONE PLACE Cards, store cards, buy-now-pay-later, personal loans, auto loans, student loans. See balance, APR, monthly interest and which payments are not even covering the interest. Linked accounts keep balances up to date. A PAYOFF PLAN THAT FITS YOUR NUMBERS Run avalanche or snowball with any extra payment and see the debt-free date, total interest, and interest saved versus minimums. Test a balance transfer before you apply for one. LEVERS Turn the gap into a checklist of concrete moves, each with a dollar value. Tick them off and watch the gap close. YOUR DATA IS YOURS Everything is private to your account. Bank credentials are stored server-side and never shown in the app. Delete your account and all data at any time from inside the app. Debt Planner is an organizing and calculation tool, not financial advice.