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.
- Up to 3 credit cards
- Avalanche + Snowball strategies
- Bank-accurate daily accrual
- 5 AI Advisor messages / day
- Local storage, no account
- Cross-device sync
- CSV statement import
Need more than 3 cards? Go Pro for $5.99/mo
Compare plans
| Feature | Free | Pro | AI Advisor |
|---|---|---|---|
| Core features | |||
| Credit cards | Up to 3 credit cards | Unlimited | Unlimited |
| Bank-accurate daily accrual | ✓ | ✓ | ✓ |
| Avalanche + Snowball strategies | ✓ | ✓ | ✓ |
| Hybrid payoff strategy | — | ✓ | ✓ |
| Promo APR tracking + alerts | In-app only | Push + email | Push + email |
| AI Advisor | 5 AI Advisor messages / day | 25 AI Advisor messages / day | 100 AI Advisor messages / day |
| Data & sync | |||
| Local IndexedDB storage | ✓ | ✓ | ✓ |
| Client-side encryption | ✓ | ✓ | ✓ |
| Cross-device encrypted sync | — | ✓ | ✓ |
| CSV statement import | — | ✓ | ✓ |
| PDF + CSV export | — | ✓ | ✓ |
| Bank Connect (Plaid) | — | — | ✓ |
Pricing FAQ
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.