Reallo

Reallo is a debt payoff planner that works out the fastest, cheapest route out of your debt — and puts it in plain English. Most people carry credit card balances, store cards, and loans for years longer than they need to. Not because they can't afford to pay them down, but because nobody has shown them exactly how. Reallo does. Add your debts, set a monthly budget, and Reallo builds a step-by-step payoff plan. It tells you which debt to overpay first, how much extra to put on it each month, and what you'll save in interest by the time you're done. WHAT REALLO DOES — Optimises your monthly budget across all your debts to minimise total interest paid — Allocates any lump sum you have to the debts where it saves the most — Builds a month-by-month payment schedule so you always know exactly what to pay — Flags debts going backwards, persistent debt risk, and promotional rates about to expire — Tracks your progress as you tick off payments month by month STRATEGIES Choose from Avalanche (lowest interest first), Snowball (smallest balance first), or let Reallo's Optimised strategy decide based on your exact debts and budget. REALLO PRO Unlock the full picture with a one-time purchase: — What If? — model a lump sum, lower budget, or different strategy before committing — Strategy comparison — see Avalanche vs Snowball vs Optimised side by side with interest totals — Lump sum optimiser — exact allocation across your debts for maximum saving — Backup export and import — save your plan as a file and restore it any time PRIVATE BY DESIGN Your debt data never leaves your phone. No account required, no server, no analytics. Everything is stored locally and protected by Face ID or your passcode. Reallo doesn't know you exist.