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.
自由的
Bank-accurate payoff planning for up to 3 credit cards.
加
For 4–10 cards with CSV import, PDF export, and 10 AI Advisor queries per month.
What each plan includes
| 特征 | 自由的 | 专业版 | 寿命 |
|---|---|---|---|
| 核心特点 | |||
| 信用卡 | 最多 5 个 | 无限 | 无限 |
| 银行准确的每日应计费用 | ✓ | ✓ | ✓ |
| 雪崩+雪球策略 | ✓ | ✓ | ✓ |
| Hybrid payoff strategy | — | ✓ | ✓ |
| 促销年利率跟踪 + 提醒 | 仅限应用内 | 推送+电子邮件 | 推送+电子邮件 |
| 数据与同步 | |||
| 本地 IndexedDB 存储 | ✓ | ✓ | ✓ |
| 客户端加密 | ✓ | ✓ | ✓ |
| 跨设备加密同步 | — | ✓ | ✓ |
| CSV 语句导入 | — | ✓ | ✓ |
| PDF + CSV 导出 | — | ✓ | ✓ |
有关定价的问题
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.