Ledgewise: Budget Debt Payoff

Find your debt-free date. No spreadsheets, no shame. Ledgewise is an envelope budget built around a debt payoff engine. Tell it what you owe and what you can pay each month, and you get a date. Then it helps you move that date closer, one envelope at a time. ENVELOPE BUDGETING Give every dollar of income a job: Rent, Groceries, Gas, Fun. Each envelope shows what you budgeted, what you've spent and what's left, so you feel it the moment one runs out. "Ready to assign" always shows the money you haven't given a job yet. DEBT PAYOFF ENGINE Add your credit cards and loans with their balances, rates and minimums. Choose snowball (smallest balance first) or avalanche (highest rate first) and see your exact debt-free date, the interest you'll pay, and how much sooner an extra payment gets you there. Every spare dollar gets a target, so you always know which creditor to pay next. BANK SYNC Connect your accounts securely through Plaid. Transactions arrive on their own, pre-sorted into envelopes. Review and confirm in seconds. Bank access is read-only: Ledgewise can never move your money. STATEMENT IMPORT Bank won't connect? Upload a PDF or CSV statement and Ledgewise reads the transactions for you. You review everything before it's saved. 60-DAY BALANCE FORECAST See your balance projected 60 days ahead, using your recurring bills and your current spending pace. AUTOPILOT Ledgewise spots your recurring bills and subscriptions so your envelopes and forecast stay current without manual upkeep. A PLAN, NOT A LECTURE No scolding, no streak guilt. Ledgewise is not a lender and not a bank. It doesn't sell loans or move money, and it never shames a bad month. Terms of Use: https://ledgewise.app/terms Privacy Policy: https://ledgewise.app/privacy Ledgewise provides budgeting and payoff estimates, not financial advice. Estimates assume fixed rates, no new charges and an on-time payment every month.