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From your dashboard, choose Add debt. Enter a name, balance, APR, and minimum payment — or connect your bank through Plaid to auto-detect accounts, including BNPL. Manual entry takes about two minutes and never requires a bank login.

Immediately. The moment you finish entering your debts, your projected payoff date appears and updates live as you adjust payments or strategy.

No. You can run the entire app on manually-entered debts. Connecting a bank just saves time and keeps balances current automatically.

Klarna, Affirm, Afterpay, Sezzle, and PayPal Credit are tracked alongside your traditional debts, with a unified payment calendar and a BNPL health score.

Many BNPL plans charge interest on the full original purchase retroactively if you miss the end date. We flag BNPL debts due within 60 days so you can clear them before that happens. Terms vary by provider.

Bank connections run through Plaid with read-only access — we can't move money or initiate transfers. Your bank credentials are never passed to or stored on our servers, and data is encrypted in transit and at rest.

Never. We don't sell or rent your personal or financial information. You can disconnect any account and request deletion at any time. See our Privacy Policy.

Every plan starts with a 30-day trial — no credit check to begin. Cancel before it ends and you're never charged. See Pricing for plan details.

In your account settings, in a couple of clicks. No phone call and no retention maze.