Every debt, one strategy
Simulations, charts, and a finish date — connected to the rest of your net worth.
Debt Repayment Strategy
Plan the optimal way to repay your mortgage and other debts with tailored strategies.
Installment Simulations
Test different installment amounts and see how they affect your total repayment time and interest.
Repayment Calculator
Use our smart calculator to estimate payments and adjust based on your goals and budget.
Visual Progress Presentation
Track your repayment progress visually with charts that show principal vs. interest over time.
Strategy Finish Date
Get a clear forecast of when you’ll finish repaying your mortgage or debt based on your plan.
From loan terms to a payoff plan
Add your debts
Mortgage, loans, credit cards — enter the balance, rate, and installment once.
Simulate strategies
Test overpayment amounts and repayment types; every scenario shows total interest and the new finish date.
Track it against net worth
Your chosen strategy lives next to your assets, so repayment progress and net worth move together.
Questions it answers in seconds
Overpay or invest?
Compare the interest an overpayment saves against what the same cash could earn invested.
$300/mo extra → 6 yrs earlierSee the true cost of a loan
Principal vs. interest over the full term — before and after your strategy.
Interest cut by $24,800Know your debt-free date
Every liability shows a projected finish date that updates as you repay.
Mortgage-free: Mar 2041Run the numbers yourself
No account needed — the same math the app uses, open to everyone.
Frequently asked questions
Quick answers to the questions people ask most before getting started.
What types of debts and mortgages can I manage with this tool?
You can manage all types of debts including mortgages, credit cards, loans, and more. There are no limits on the types of debts you can track.
Can I simulate different repayment plans?
Yes, you can use the calculator to simulate how your repayment strategy will work with different inputs, such as repayment type, amount, and duration.
Does the tool show a visual presentation of my repayment progress?
The strategy is presented in charts and tables showing how repayments will proceed in coming months, plus visualizing future changes and outcomes.
Can I track the expected finish date of my mortgage or debt repayment?
The expected finish date based on your repayment strategy is presented on the liability details page.
Can I manage repayment strategies for multiple debts simultaneously?
Yes, depending on your pricing plan, you can add up to 10 (Base) or 100 (Pro) different debts, each with its own repayment strategy.
Is there a visual summary to compare different repayment strategies?
This feature will be added in the future to allow comparison of results for different repayment strategies.