The math engine is free.
Pro unlocks the full toolkit.
Bank-accurate payoff planning for up to 3 cards, no account required. Pro adds unlimited cards, cross-device sync, and AI-powered advice.
Free
Bank-accurate payoff planning for up to 3 credit cards.
Plus
For 4–10 cards with CSV import, PDF export, and 10 AI Advisor queries per month.
Pro
Unlimited cards, encrypted cross-device sync, rewards optimizer, and 100 AI queries per month.
No credit card required to trial
What each plan includes
| Feature | Free | Pro | Lifetime |
|---|---|---|---|
| Core features | |||
| Credit cards | Up to 5 | Unlimited | Unlimited |
| Bank-accurate daily accrual | ✓ | ✓ | ✓ |
| Avalanche + Snowball strategies | ✓ | ✓ | ✓ |
| Hybrid payoff strategy | — | ✓ | ✓ |
| Promo APR tracking + alerts | In-app only | Push + email | Push + email |
| Data & sync | |||
| Local IndexedDB storage | ✓ | ✓ | ✓ |
| Client-side encryption | ✓ | ✓ | ✓ |
| Cross-device encrypted sync | — | ✓ | ✓ |
| CSV statement import | — | ✓ | ✓ |
| PDF + CSV export | — | ✓ | ✓ |
Questions about pricing
Do I really need a paid plan to get out of debt?
Not at all. The Free plan includes the full math engine and Command Center. Bank-accurate payoff planning should not cost money. Pro is for people managing many cards who want sync across devices or the ability to import statements.
Is my financial data safe?
Your data is encrypted in your browser before it ever touches our sync servers. We have no interest in selling it or running ads. This is a paid tool, not an ad platform.
Can I cancel my Pro subscription?
Cancel any time from your account settings with one click. You keep Pro access until the end of your billing period, no questions asked.