Guaca: Debt & Retirement

Your money, with a clearer next step. Guaca brings your accounts, investments, spending and debts into one financial dashboard. Understand where you are today, then explore a plan for what comes next. SEE YOUR WHOLE PICTURE Track net worth across cash, investments, property and liabilities. Organize accounts in different currencies and explore how your finances change over time. GIVE EVERYDAY MONEY A HOME Record income and expenses, organize transactions by category, set category budgets and review spending reports. Keep recurring payments in view and import supported bank statements or transaction files. MAKE ROOM FOR YOUR GOALS Create savings goals, assign money from your accounts and compare your progress with your plan. Allocations reserve existing balances virtually; they do not move money. FIND YOUR PATH OUT OF DEBT Use the debt snowball calculator to prioritize smaller balances, or compare the avalanche strategy that prioritizes higher interest rates. Adjust extra payments and compare estimated payoff dates, total interest and payment order across your debts. PLAN FOR FINANCIAL INDEPENDENCE Explore retirement scenarios with adjustable contributions, spending, inflation and returns. Compare projections and Monte Carlo simulations to understand how different assumptions affect your plan. ASK YOUR MONEY BETTER QUESTIONS Use Guaca’s AI assistant to explore your finances. Connect compatible assistants such as Claude or ChatGPT through Connected apps, review their permissions and revoke access when you choose. Availability depends on your Guaca plan and the external assistant’s requirements. START LOCAL. CONNECT WHEN YOU CHOOSE. Manage your finances locally, including offline. Guaca Pro adds features such as cloud sync across your devices, AI chat and supported account integrations. Connected and AI features use online services. Payoff and retirement results are estimates based on your inputs and assumptions, not guaranteed outcomes. Privacy: https://useguaca.com/privacy Terms: https://useguaca.com/terms Terms of Use (EULA): https://www.apple.com/legal/internet-services/itunes/dev/stdeula/