BNPL tracking
Klarna, Affirm, Afterpay, Sezzle & PayPal Credit tracked alongside cards and loans — with payment-cliff alerts before retroactive interest hits.
Features
Everything you need to actually pay it off.
Smart Debt Flow doesn't just list your debts. It tracks BNPL the others ignore, compares every payoff strategy on your real numbers, and gives you an AI coach that knows them too.
Five payoff strategies
Snowball, Avalanche, Cash Flow, Custom Blend & High-Interest Focus — compared side by side on your real balances and rates.
Your real debt-free date
Watch your payoff date appear the moment you finish entering debts — and update live every time you change a payment.
Flow, your AI coach
Ask questions in plain English and get answers from your actual numbers — never generic advice, never shame. On Pro, Flow takes actions you approve.
Milestone celebrations
Crossing 25%, 50%, and 75% paid off is a real moment. We mark each one — momentum matters more than math.
Budget forecasting
The AI watches your spending patterns and forecasts budget overages before they happen — and flags subscriptions quietly draining your account.
Bank-grade security
Bank connections run through Plaid with read-only access. We can't move money, your credentials never touch our servers, and we never sell your data.
Manual or auto-import
No bank login required to start. Add debts manually in two minutes, or connect a bank to auto-detect every account, including BNPL.
Financial Twin (Pro)
Model "what if" scenarios against a live mirror of your finances — extra payments, windfalls, rate changes — before you commit a dollar.
Fraud protection (Pro)
Advanced monitoring watches for unusual activity across linked accounts and surfaces anything that looks off, fast.
See it on your numbers.
Add your debts free — no bank login, no credit check — and watch your debt-free date appear.
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