BNPL tracking
Klarna, Affirm, Afterpay, Sezzle & PayPal Credit tracked alongside cards and loans — with payment-cliff alerts before retroactive interest hits.
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.
Klarna, Affirm, Afterpay, Sezzle & PayPal Credit tracked alongside cards and loans — with payment-cliff alerts before retroactive interest hits.
Snowball, Avalanche, Cash Flow, Custom Blend & High-Interest Focus — compared side by side on your real balances and rates.
Watch your payoff date appear the moment you finish entering debts — and update live every time you change a payment.
Ask questions in plain English and get answers from your actual numbers — never generic advice, never shame. On Pro, Flow takes actions you approve.
Crossing 25%, 50%, and 75% paid off is a real moment. We mark each one — momentum matters more than math.
The AI watches your spending patterns and forecasts budget overages before they happen — and flags subscriptions quietly draining your account.
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.
No bank login required to start. Add debts manually in two minutes, or connect a bank to auto-detect every account, including BNPL.
Model "what if" scenarios against a live mirror of your finances — extra payments, windfalls, rate changes — before you commit a dollar.
Advanced monitoring watches for unusual activity across linked accounts and surfaces anything that looks off, fast.
Add your debts free — no bank login, no credit check — and watch your debt-free date appear.
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