Your cards, your control — a living plan you return to, not a one-time snapshot.
Debt-Free Date
Save your progress — your finish line and next payment, updated every month.
Add multiple cards and see which to pay first and how much. Return anytime as balances change and your debt-free date refreshes so you always know where you stand.
Budget Optimiser
Set your budget. Drive the whole plan.
Enter a monthly budget and the optimiser allocates payments across your cards — powering your full repayment schedule and debt-free timeline.
Pick Your Strategy
Snowball, avalanche — switch and compare.
Toggle between repayment strategies and watch your interest savings and debt-free date update live — find the approach that fits you.
Anonymous by Design
Nicknames only — no bank connection.
Name your cards yourself — no open banking, no account linking, and bank details are never shared. Data you enter is encrypted on-device before any cloud sync.
0% Balance Transfer Tracking
Beat the clock on promo rates.
Track every 0% deadline, see how transfers shift your interest savings and freedom date, and compare cards using the offers you've entered.
Control Without Consolidation
Your cards. Your plan. No consolidation loan.
Take control of multiple credit cards without consolidation loans or creditor repayment schemes — keep your cards open as a safety net while balance-transfer options may still be suggested.
Planned Payments
Plan for windfalls and tight months.
Schedule one-off extras, recurring boosts, or future budget changes and see instantly how each affects your debt-free date.
Payday Mode
Update balances. Tick off this month's payments.
After payday, refresh card balances and work through a repayment checklist so you know what's paid and what's left — stay on track month to month.
Downloadable Schedules
An instant repayment plan you can export.
See which card to pay and how much each month, then export your schedule or full combined plan as a PDF or CSV file — ready for spreadsheets, advisers, or your records.
Notifications Centre
Stay ahead of trouble.
High interest spikes, looming 0% deadlines, and due dates — surfaced in one place before they hit your wallet.
Pick your default currency
Display balances and payments your way.
Set a display currency for balances and scheduled payments. Choose from 20+ currencies, including pounds, dollars, and euros.
Multi-Card Tracking
Start with two. Scale without limits.
Track up to 2 cards on the free plan. Upgrade to Pro for unlimited cards across your full portfolio.
Calendar Sync
Your repayment life, in your calendar.
Subscribe to an always-up-to-date schedule via Google or iCal — debt-free date, 0% deadlines, and milestones included.